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 score56/100● 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 ~~₹1,769~~waiver at ₹3,00,000 spend

Lounge access✈8 dom🌏4 intlyou can use 2 of your visits

Personalise Official page ↗

Source: HDFC Bank – Tata Neu Infinity · last reviewed 2026-09-12

Standard profile

Scored for Typical Indian cardholder · ₹32k/monthBills paid in full · first-year offers shown separately · set up your profile to score cards for your own spend

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 ₹5,634/yr is calculated: Tata Neu Infinity HDFC Bank
+ Reward value on your spendat ₹1/NeuCoins realistic value: ₹5,274
+ Fuel surcharge waiver1% up to ₹500/month: ₹360
+ Annual fee incl. 18% GSTwaived – ₹1,769 at ₹3,00,000 spend: ₹0
= Recurring net savings: ₹5,634/yr
÷ card spend counted UPI-only rupees excluded on non-RuPay cards: ₹3,87,600
= Effective savings rate: 1.5%

How the score of 56 is built

weights total 100% · methodology

Net savings rate29/100 × 55%16.2

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.

What changed on this card

1 Jul 2025New feeHDFC Bank
HDFC Bank: 1% fee on rent, high utility and gaming spends; insurance reward caps
From 1 July 2025 HDFC cards charge 1% (capped at ₹4,999 a month) on rent payments, on all utility transactions once monthly utility spend crosses ₹50,000 on personal cards, and on online skill-based gaming above ₹10,000 a month (gaming also earns no points). Insurance reward points are capped at 10,000 a month on Infinia, 5,000 on Diners Black and 2,000 on other cards.
Cards: Infinia Metal, Diners Club Black Metal, Regalia Gold, Regalia, Millennia, Swiggy HDFC Bank, Tata Neu Infinity HDFC Bank, Tata Neu Plus HDFC Bank +10 more · Source: Business Standard – HDFC credit card users alert: new fees, reward caps from July 1 · verified 2026-09-19

All credit card changes →

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

Compare Tata Neu Infinity HDFC Bank with

Community Q&A on the Tata Neu Infinity HDFC Bank

Threaded questions from cardholders · the Advisor can add a computed answer.

Loading discussion…

Frequently asked questions

What is the annual fee of the 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

HDFC Bank – Tata Neu Infinity

Reviewed 2026-09-12. Point values are our realistic estimates – see methodology. Also: Tata Neu Infinity HDFC Bank lounge access by airport · all HDFC Bank cards · change log.