Tata Neu Infinity HDFC Bank Credit Card

The following are the main features and benefits of the Tata Neu Infinity HDFC Bank credit card:

Welcome Benefit 

• 1499 NeuCoins on Tata Neu App. 
• Offer available as a reversal of the first-year membership fee. 
• These Tata Neu HDFC credit card benefits are applicable on the first transaction done within 30 days of the card issuance. 

NeuCoins

• 5% back as NeuCoins on non-EMI spending on Tata Neu and partner Tata Brands. 
• An additional 5% back as NeuCoins on select categories on the Tata Neu app/website, after registering for Tata NeuPass.
• 1.5% back as NeuCoins on spending on non-Tata brand, any merchant EMIs, and eligible Tata Neu UPI spends (for HDFC Rupay credit card variant).
• 1% back as NeuCoins on other non-UPI spends.
• 0.5% back as NeuCoins on other UPI spends.
• NeuCoins will not accrue for fuel, wallet, rent, government, and online gaming transactions. 
• Bill payment (Tata Pay), Air India, Cult.fit, and Tata Play spends are not eligible for an additional 5% back NeuCoins via NeuPass membership.
• NeuCoins earned on grocery, utility, telecom, and cable transactions are capped at 2,000 per month.
• 1 NeuCoin = 1 Rupee.

Insurance Benefits

• Air Accident Death Cover of Rs. 1 Crore in case of physical injury/ death within 12 months of an air accident.
• Emergency Overseas Hospitalisation Cover of up to Rs. 15 Lakhs for sudden illness/ injury during international travel (excluding any pre-existing conditions).
• Lost Card Liability Cover of up to Rs. 9 Lakhs for fraudulent transactions on a lost/ stolen card. 

Domestic Lounge Access

• 2 complimentary visits per calendar quarter (up to 8 per calendar year) to partner domestic airport lounges.
• This Tata Neu Infinity HDFC Bank credit card benefit is available on spending Rs. 50,000 or above in a calendar quarter.

International Lounge Access - VISA

• Using Priority Pass, you and an add-on card member can together avail up to 4 complimentary lounge visits per calendar year (1 per quarter) outside India.
• On exceeding the 4 complimentary (1 per quarter) visits limit, you will be charged US$27 + GST per visit.
• All guest visits using Priority Pass would be charged at US$27 + GST per visit per guest.
• Priority Pass on Tata Neu Infinity HDFC Bank Credit Card - VISA will be issued only on a request basis. 

International Lounge Access - Rupay

• 4 complimentary lounge visits per calendar year (1 per quarter) outside India.
• Customers will be charged a US$3.25 transaction fee (reversible) on their credit card for complimentary lounge access. 
• Visits exceeding the complimentary quota will be chargeable and allowed at the discretion of the lounge.

Fuel Surcharge Waiver

• This HDFC credit card offers 1% fuel surcharge waiver across all fuel stations in India.
• Offer applicable on transactions between Rs. 400 and Rs. 5,000. 
• The maximum waiver available is up to Rs. 500 per statement cycle.

Other Benefits

• Up to 50 days of interest-free credit from the date of card purchase.
• Option to convert your big spends into EMI after purchase.
• Zero lost card liability on any fraudulent transactions made on your card if reported immediately to the 24-hour Call Centre of HDFC Bank.
• This card comes with zero joining fee, and the annual fee of Rs. 1,499 + taxes is also waived on spending Rs. 3 Lakhs or more in a year before renewal date, making it an HDFC lifetime free credit card.
• and get your renewal fee waived.
• Contactless payments (for a maximum of Rs. 5,000 for a single transaction) facilitate fast and secure payments at retail outlets.

Below are the charges associated with the Tata Infinity credit card:

• Joining fee: Nil.
• Renewal fee: Rs. 1,499 + applicable taxes; Waived on annual spends of Rs. 3 Lakhs.
• Foreign currency markup: 2% of the transaction value.
• Cash advance fee: 2.5% or Rs. 500, whichever is higher. 
• Railway ticket purchase fee: 1% of the transaction amount + GST. 
• Smart EMI processing fee: Rs. 999 + GST.
• EasyEMI processing fee: Up to Rs. 299 for EMI facility at the merchant.
• Insta Loan, Jumbo Loan & Smart EMI pre-closure charges: 3% of the principal outstanding.
• Insta Loan & Jumbo Loan processing fee: Up to Rs. 1,299 + GST.
• Overlimit charges: 2.5% of the overlimit amount, minimum Rs. 550.
• Payment return charges: 2% of the payment amount, minimum Rs. 450.
• Late payment fee for Insta Jumbo loans: Rs. 500 + GST for non-payment/ partial payment of EMI outstanding.
• Cash processing fee: Rs. 100 for all card payments done by depositing in HDFC Bank branches or ATMs.
• Rewards redemption fee: Rs. 99 per redemption request.
• Balance transfer processing fee: 1% of the transfer amount or Rs. 250, whichever is higher. 
• Duplicate physical statement charges: Rs. 10 per duplicate physical statement.
• V2P SmartHub Vyapar charge: 1% interest + GST on the transaction amount on business cards for vendor payments/ utility payments/ GST via V2P in SmartHub Vyapar.
• Lost, stolen or damaged card reissuance fee: Rs. 100.
• Outstation cheque processing fee: Rs. 25 for cheque up to Rs. 5,000 & Rs. 50 for above Rs. 5,000.
• Dynamic currency conversion markup fee: 1%.
• Finance charges for revolving credit & cash advances: 3.75% p.m. (45% p.a.).
• Rent/ utility/ education/ wallet load/ online skill-based gaming transaction fee: 1% of the transaction amount. 
• Card validation charges: Rs. 2.
• Annual membership fees for Global Value Program: Rs. 199 + GST.

The following are the reward benefits available on the Tata Neu Infinity HDFC Credit Card:

• 5% back as NeuCoins on non-EMI spending on Tata Neu and partner Tata Brands. 
• An additional 5% back as NeuCoins on select categories on the Tata Neu app/website, after registering for Tata NeuPass.
• 1.5% back as NeuCoins on spending on non-Tata brand, any merchant EMIs, and eligible Tata Neu UPI spends (Rupay variant).
• 1% back as NeuCoins on other non-UPI spends.
• 0.5% back as NeuCoins on other UPI spends.
• NeuCoins will not accrue for fuel, wallet, rent, government, and online gaming transactions. 
• Bill payment (Tata Pay), Air India, Cult.fit, and Tata Play spends are not eligible for an additional 5% back NeuCoins via NeuPass membership.
• NeuCoins earned on grocery, utility, telecom, and cable transactions are capped at 2,000 per month.
• 1 NeuCoin = 1 Rupee.
• NeuCoins will have a validity of 12 months.
• NeuCoins can be used for purchases on Tata Neu/Website for Brands like Air India Expree, Croma, Bigbasket, Westside, TATA 1MG, Tata CLiQ, Tata CLiQ Luxury, hotel bookings, or purchases on IHCL, Qmin, Titan, and Tanishq.
• You can use NeuCoins by selecting NeuCoins/ Tata Pay/ Loyalty Redemption as the payment method. 
• NeuCoins can only be used on eligible transactions as defined by the individual brands.

Below is the detailed Tata Neu Infinity HDFC card eligibility:

Eligibility for Salaried Applicant

• The applicant should be an Indian resident.
• The age of the applicant should be at least 21 years and a maximum of 60 years.
• The net monthly income of the applicant should be a minimum of Rs. 1,00,000. 

Eligibility for Self-employed Applicant

• The applicant should be an Indian resident.
• The age of the applicant should be at least 21 years and a maximum of 65 years.
• The applicant should have an annual Income Tax Return (ITR) of above Rs. 12 Lakhs.

The following are the key differences between the Tata Neu Infinity HDFC credit card and the Tata Neu Plus HDFC Credit Card:

You will be required to submit the following documents to avail of this HDFC airport lounge access credit card:

• Identity Proof: PAN Card (mandatory), and Aadhaar Card/ Passport/ Driving License/ Voter ID Card. 
• Address Proof: Aadhaar Card/ Driving License/ Voter ID Card/ Passport/ Utility Bill not older than 3 months/ Rent Agreement.
• Income Proof: Recent Salary Slips of 2-3 months, latest Form 16, or last 3 months’ Bank Statements.

Photograph: A recent passport-sized photograph.

You can apply for the Tata Neu Infinity HDFC Bank Credit Card online through our portal or follow the steps below to apply on the HDFC Bank’s website:

• Visit the HDFC Bank website and open the ‘Credit Cards’ page.
• Select the desired credit card and click on the ‘Apply Now’ button. 
• Provide and validate your mobile number and date of birth/ PAN.
• Confirm your details.
• Select your desired card.
• Submit and receive your card.

*In certain cases, you may be required to upload documents and complete video KYC.

For more details regarding the application process, you may contact the HDFC credit card customer care.