HDFC Bank× Tata NeuRuPay · UPILifestyle
Tata Neu Infinity HDFC Bank credit card
5% NeuCoins across Tata brands, 1.5% everywhere, UPI rewards on RuPay.
Personal score53/100● Good fit
Recurring net savings₹5,634/yrafter fee, GST and caps · bills paid in full
First-year value₹5,364incl. ₹1,499 welcome, ₹1,769 joining fee
Effective savings rate1.5%on ₹3,87,600 card spend · 6% = full marks
Annual fee (incl. GST)Waived ₹1,769waiver at ₹3,00,000 spend
Lounge access✈8 dom🌏4 intlyou can use 2 of your visits
Source: HDFC Bank – Tata Neu Infinity · last reviewed 2026-09-12
Estimates for Typical Indian cardholder (₹32k/month) example profile · bills paid in full · first-year offers shown separately.
Why it fits – and what to watch
hover any tile for the detail₹3,640/yrBase rate 1.5% on other spends
Waived₹1,769 fee
2/2lounge visits covered
1/1lifestyle perks matched
₹36,000earns nothing (fuel)
! No rewards on fuel – ₹36,000 of your yearly spend earns nothing here.
Where the money comes from
₹5,634/yr · 1.5%Base rate 1.5% on other spendson ₹2,42,640₹3,640
1.5% NeuCoins on UPI (RuPay), max 500/monthon ₹60,960₹914
Utilities, insurance, education (capped…on ₹48,000₹720
Excluded categories (no rewards)on ₹36,000₹0
Fuel surcharge waiver₹360
How the score of 53 is built
weights total 100% · methodologyNet savings rate24/100 × 55%13.3
Usable lounge access100/100 × 15%15.0
Redemption flexibility60/100 × 10%6.0
Lifestyle fit100/100 × 10%10.0
Simplicity80/100 × 5%4.0
Fee safety100/100 × 5%5.0
Airport lounges with this card
Open Lounge Finder →42airports in India
64lounges you can enter
2 per quarterdomestic
4 per yearinternational
How you get in: RuPay lounge programme · issuer programme (bank / operator app) · Priority Pass. Carry the card and a same-day boarding pass; at Delhi and Hyderabad validate in the Encalm HOI app, at Adani airports in the Adani LoungeOne app.
DEL Delhi 6 lounges
- ✈T3 Encalm Lounge (T3 Domestic) Encalm · via RuPay lounge programme verified
- ✈T3 Plaza Premium Lounge (T3 Domestic) Plaza Premium · via RuPay lounge programme verified
- 🌏T3 Encalm Privé (T3 International) Encalm · via Priority Pass verified
- 🌏T3 Plaza Premium Lounge (T3 International) Plaza Premium · via Priority Pass verified
- ✈T1 Encalm Lounge (T1) Encalm · via RuPay lounge programme verified
- ✈T2 Encalm Lounge (T2) Encalm · via RuPay lounge programme verified
HYD Hyderabad 4 lounges
- ✈Main Encalm Lounge (Domestic) Encalm · via RuPay lounge programme verified
- ✈Main Plaza Premium Lounge (Domestic) Plaza Premium · via RuPay lounge programme verified
- 🌏Main Plaza Premium Lounge (International) Plaza Premium · via Priority Pass verified
- 🌏Main Encalm Privé (International) Encalm · via Priority Pass check at desk
BOM Mumbai 4 lounges
- ✈T2 Adani Lounge (T2 Domestic) Adani Airports · via RuPay lounge programme verified
- ✈T2 TFS Lounge (T2 Domestic) Travel Food Services · via RuPay lounge programme check at desk
- 🌏T2 Adani Lounge (T2 International) Adani Airports · via Priority Pass verified
- ✈T1 Adani Lounge (T1) Adani Airports · via RuPay lounge programme verified
BLR Bengaluru 3 lounges
- ✈T2 080 Domestic Lounge BIAL · via RuPay lounge programme verified
- 🌏T2 080 International Lounge BIAL · via Priority Pass verified
- ✈T1 Above Ground Level Lounge (T1) Travel Food Services · via RuPay lounge programme verified
MAA Chennai 3 lounges
- ✈T1 Travel Club Lounge (T1) Travel Food Services · via RuPay lounge programme verified
- ✈T4 Travel Club Lounge (T4) Travel Food Services · via RuPay lounge programme check at desk
- 🌏T2 Travel Club Lounge (International) Travel Food Services · via Priority Pass verified
AMD Ahmedabad 2 lounges
- ✈T1 Adani Lounge (Domestic) Adani Airports · via RuPay lounge programme verified
- 🌏T2 Adani Lounge (International) Adani Airports · via Priority Pass verified
ATQ Amritsar 2 lounges
- ✈Main Bird Lounge (Domestic) Bird Group · via RuPay lounge programme check at desk
- 🌏Main Bird Lounge (International) Bird Group · via Priority Pass check at desk
GOX Goa (Mopa) 2 lounges
- ✈Main Mopa Airport Lounge (Domestic) GMR · via RuPay lounge programme check at desk
- 🌏Main Mopa Airport Lounge (International) GMR · via Priority Pass check at desk
COK Kochi 2 lounges
- ✈T1 Earth Lounge (Domestic) CIAL · via RuPay lounge programme verified
- 🌏T3 Earth Lounge (International) CIAL · via Priority Pass verified
CCU Kolkata 2 lounges
- ✈T2 Travel Club Lounge (Domestic) Travel Food Services · via RuPay lounge programme verified
- 🌏T2 Travel Club Lounge (International) Travel Food Services · via Priority Pass verified
LKO Lucknow 2 lounges
- ✈T3 Adani Lounge (Lucknow) Adani Airports · via RuPay lounge programme verified
- 🌏T3 Adani Lounge (Lucknow International) Adani Airports · via Priority Pass check at desk
TRV Thiruvananthapuram 2 lounges
- ✈T2 Adani Lounge (Thiruvananthapuram Domestic) Adani Airports · via RuPay lounge programme verified
- 🌏T2 Adani Lounge (Thiruvananthapuram International) Adani Airports · via Priority Pass check at desk
+ 30 more airports in the Lounge Finder.
Card facts
💳 Base earn1.5%value on eligible spend
⚡ Accelerated5% 5% on Tata Neu app & Tata…1.5% Utilities, insurance,…1.5% NeuCoins on UPI (RuPay), max 500/month
🚫 No rewards onfuelrent
🏷️ Fees₹1,769/yr incl. GSTwaived on ₹3,00,000 spend · joining ₹1,499
🎁 Welcome (year 1)≈ ₹1,4991,499 NeuCoins on first Tata Neu transaction
🏁 Milestonesnone
✈️ Lounge✈2/qtr dom🌏4/yr intlRuPay domestic lounges + Priority Pass (international)
🌏 Forex markup2%+ GST on the markup
🔁 Redemption₹1/NeuCoins ★★★☆☆1 NeuCoin = ₹1 across Tata Neu, BigBasket, Croma, Air India, Taj, Westside, 1mg.
🧩 Simplicity★★★★☆set and forget
🎯 Lifestylefuel waiverinsurance cover
🪪 EligibilityIncome ₹12L+/yr or ₹1L+/month salary
At a glance
- 5% back across the Tata ecosystem
- UPI spends earn 1.5% on RuPay
- 8 domestic + 4 international lounge visits
- NeuCoins spend only inside Tata brands
- UPI rewards capped at 500 coins/month
- Fee waiver needs ₹3L spend
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Community Q&A on the Tata Neu Infinity HDFC Bank
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Frequently asked questions
What is the annual fee of the HDFC Bank Tata Neu Infinity HDFC Bank?
Joining fee ₹1,499 and renewal fee ₹1,499, plus 18% GST (₹1,769 a year). The renewal fee is waived if you spend ₹3,00,000 in the card year.
Does the Tata Neu Infinity HDFC Bank give airport lounge access?
8 domestic + 4 international/yr. RuPay domestic lounges + Priority Pass (international).
How much can I save with the Tata Neu Infinity HDFC Bank?
For our example profile (Typical Indian cardholder (₹32k/month)) the recurring net saving is ₹5,634 a year, an effective savings rate of 1.5% after the fee. Use Find My Card to see your own number – it depends on where you spend and which caps you hit.
What are the Tata Neu Infinity HDFC Bank's reward exclusions and caps?
No rewards on fuel, rent. Utilities, insurance, education (capped 2,000 NeuCoins/mo): capped at ₹2,000 a month
Sources
Reviewed 2026-09-12. Point values are our realistic estimates – see methodology.