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Key Features of HDFC Tata Neu Infinity Credit Card

  • Welcome Benefits:
    • 1,499 NeuCoins: Receive 1,499 NeuCoins (worth ₹1,499) as welcome bonus upon completing at least one retail transaction within 30 days of card issuance.
    • Effectively Free First Year: The welcome NeuCoins offset the joining fee of ₹1,499 + GST.
  • Reward Program (NeuCoins):
    • 10% Value Back: 5% base + 5% via NeuPass on non-EMI spends on Tata Neu app/website (requires NeuPass registration).
    • 5% NeuCoins: On non-EMI spends at Tata brands (BigBasket, Croma, Air India, Westside, etc.).
    • 1.5% NeuCoins: On non-Tata brand spends and UPI transactions (capped at 500 NeuCoins/month).
    • 1 NeuCoin = ₹1: Redeemable across Tata Neu and partner brands.
  • Airport Lounge Access:
    • Domestic: 8 complimentary visits/year (2 per quarter).
    • International: 4 visits/year via Priority Pass (1 per quarter).
    • Post-June 2025: Domestic access requires ₹50,000 quarterly spend to unlock.
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  • Fuel Surcharge Waiver: 1% waiver on fuel transactions between ₹400 and ₹5,000, with a maximum waiver of ₹500 per statement cycle.
  • Insurance Benefits:
  • Accidental Air Death Cover: ₹1 crore protection.
  • Emergency Overseas Hospitalization: Up to ₹15 lakhs coverage.
  • Lost Card Liability: Up to ₹9 lakhs if reported immediately.
  • Contactless Payments: The card supports contactless payments for fast, secure, and convenient transactions at retail outlets. In India, transactions up to ₹5,000 do not require a PIN; higher amounts require PIN verification.
  • UPI Integration (RuPay Variant): Available in both Visa and RuPay variants, the RuPay variant allows linking to UPI apps (e.g., Tata Neu, Google Pay, PhonePe). Earn NeuCoins on UPI transactions (1.5% with Tata Neu UPI, capped at ₹500 per month).
  • Foreign Currency Transactions: Low 2% markup fee on international spends. Competitive compared to the standard 3.5% markup fee on other cards.
  • Zero Lost Card Liability: Zero liability for fraudulent transactions in case of card loss or theft if reported immediately to HDFC Bank’s 24-hour call center or blocked via net banking.
  • Interest-Free Credit Period: Up to 50 days of interest-free credit, subject to the merchant submitting the charge on time.
  • Revolving Credit: Available at a nominal interest rate (3.75% per month or 45% per annum), allowing flexibility in payments.
  • Exclusive Tata Offers:
    • PayDay Sales: Monthly sales in the first week offer bonus NeuCoins on Tata Neu app purchases.
    • Periodic Discounts: Instant discounts (e.g., 10% off on BigBasket) are announced periodically for Tata brand spends.
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Benefits of HDFC Tata Neu Infinity Credit Card

  • High Reward Earnings:
    • Up to 10% Value Back: 5% base + 5% via NeuPass on Tata Neu app spends.
    • 5% NeuCoins: On Tata brand partners like BigBasket, Croma, Air India.
    • 1.5% NeuCoins: On all other spends including UPI transactions.
    • No Expiry: NeuCoins remain valid as long as card is active.
  • Comprehensive Travel Benefits:
    • 8 Domestic Lounge Visits: Across major Indian airports.
    • 4 International Lounge Visits: Via Priority Pass.
    • Air India Benefits: Discounts and bonus NeuCoins on bookings.
    • Low Forex Markup: Just 2% on international transactions.
  • Lifestyle Privileges:
    • Tata Brand Discounts: Regular offers on Westside, Tata CLiQ, Tanishq.
    • Insurance Protection:
    • ₹1 Crore Accidental Air Cover: Comprehensive protection while flying.
    • ₹15 Lakhs Overseas Medical: Emergency hospitalization coverage abroad.
    • ₹9 Lakhs Lost Card Liability: Zero fraud liability when reported promptly.
    • Fuel Savings: 1% surcharge waiver on fuel spends between ₹400–₹5,000, capped at ₹500 per statement cycle, reducing fuel expenses for cardholders.
    • Comprehensive Insurance Benefits: Accidental Air Death Cover: ₹1 crore, providing significant financial protection. Emergency Overseas Hospitalization: Up to ₹15 lakhs for medical emergencies abroad.
    • Lost Card Liability Cover: Up to ₹9 lakhs, ensuring zero liability for fraudulent transactions if the card loss is reported immediately to HDFC Bank’s 24-hour call center.
    • Low Foreign Currency Markup Fee: 2% markup fee on foreign currency transactions, which is competitive compared to other cards , making it cost-effective for international spending.
    • Digital Payment Convenience:
    • UPI Integration: The RuPay variant supports UPI transactions, allowing cardholders to link the card to UPI apps and earn NeuCoins , enhancing digital payment convenience.
    • Contactless Payments: Quick tap-and-pay up to ₹5,000 without PIN.
    • Zero Lost Card Liability: Cardholders face zero liability for unauthorized transactions if the card is lost or stolen, provided the loss is reported immediately to HDFC Bank’s 24-hour call center ( 8885545255) or blocked via net banking.
    • Interest-Free Credit Period: Up to 50 days of interest-free credit, provided the merchant submits the charge on time, offering flexibility in managing payments.
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Steps to Apply for HDFC Tata Neu Infinity Credit Card

  • 1. Online Application via HDFC Bank Website:
    • Step 1: Visit HDFC Bank's credit card portal and search for "Tata Neu Infinity".
    • Step 2: Click "Apply Now" and fill in personal, employment, and income details.
    • Step 3: Upload scanned copies of required documents (PAN, Aadhaar, income proof).
    • Step 4: Complete video KYC if required.
  • 2. Application via Tata Neu App:
    • Step 1: Download and log in to Tata Neu app.
    • Step 2: Navigate to Finance section and select Tata Neu Infinity card.
    • Step 3: Fill application form with pre-filled details from your Neu account.
    • Step 4: Upload documents and submit application.
  • 3. Apply via HDFC Bank Branch:
    • Step 1: Visit your nearest HDFC Bank branch.
    • Step 2: Request assistance for Tata Neu Infinity Credit Card application.
    • Step 3: Fill out the application form with necessary details.
    • Step 4: Submit documents (PAN, Aadhaar, income proof) at the branch.

Eligibility Criteria for HDFC Tata Neu Infinity Credit Card

  • Age:
    • Salaried: 21 to 60 years
    • Self-Employed: 21 to 65 years
  • Nationality:
    • Must be an Indian resident
  • Income:
    • Salaried Individuals: Minimum monthly income of ₹1,00,000
    • Self-Employed Individuals: Minimum annual ITR of ₹12,00,000
  • Credit Score:
    • Good credit score (750 or above preferred)
    • No recent defaults or delinquencies
  • Employment Status:
    • Salaried: Employed with reputed organization
    • Self-Employed: Stable business/profession with verifiable income
  • Existing HDFC Relationship:
    • Existing customers may get pre-approved offers
    • Current HDFC cardholders need minimum ₹1.5 lakh limit
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Documents Required for HDFC Tata Neu Infinity Credit Card

  • Identity Proof (Any one):
    PAN Card (mandatory)
    Aadhaar Card
    Passport
    Voter ID
    Driving License
  • Address Proof (Any one):
    Aadhaar Card
    Passport
    Utility Bill (not older than 3 months)
    Bank Statement
    Rental Agreement
  • Income Proof:
    For Salaried:
    Latest 3 months' salary slips
    3-6 months bank statements showing salary credits
    Form 16 (optional)
    For Self-Employed:
    Last 2 years' ITR with income ≥ ₹12 lakh
    Business financial statements
    6 months' business bank statements
  • Photograph:
    One recent passport-sized photo
  • Additional Documents:
    Existing HDFC relationship proof (if applicable)
    Business registration documents (for self-employed)

Factors for HDFC Tata Neu Infinity Credit Card Approval

  • Income Level:
    Must meet minimum income requirements (₹1L/month salaried or ₹12L/year self-employed).
    Higher income improves approval chances and credit limit.
  • Credit Score & History:
    CIBIL score of 750+ preferred.
    Timely repayments and low credit utilization are crucial.
    Defaults or high outstanding debt may lead to rejection.
  • Existing Relationship with HDFC:
    Existing customers with good standing have higher approval odds.
    Current HDFC cardholders need minimum ₹1.5L limit.
  • Document Accuracy:
    All documents must be clear and match application details.
    Discrepancies can cause delays or rejection.
  • Debt-to-Income Ratio:
    Lower ratio (below 40%) improves approval chances.
    High existing EMIs may negatively impact decision.
  • Tata Neu App Usage:
    Active Tata Neu users may get preferential treatment.
    Higher spending on Tata platforms can trigger pre-approved offers.
  • Residential Stability:
    Longer tenure at current address indicates stability.
    Frequent address changes may raise concerns.
  • Employment Stability:
    Longer tenure with current employer preferred.
    Self-employed applicants need stable business history.

Frequently Asked Questions

1. What is the HDFC Tata Neu Infinity Credit Card?
The HDFC Tata Neu Infinity Credit Card is a premium co-branded credit card offering high rewards (up to 10% back as NeuCoins) on Tata brand purchases, lounge access, and comprehensive insurance benefits. It's designed for frequent shoppers within the Tata ecosystem (BigBasket, Croma, Air India etc.) with a minimum income requirement of ₹1 lakh/month.
2. What are the key benefits of this card?
Rewards: Up to 10% NeuCoins on Tata Neu app, 5% on Tata brands, 1.5% on other spends.
Welcome Benefit: 1,499 NeuCoins (worth ₹1,499) offsetting joining fee.
Lounge Access: 8 domestic + 4 international visits/year.
Insurance: ₹1 crore air accident cover, ₹15 lakhs overseas medical.
Other: 2% forex markup, UPI integration (RuPay), fuel surcharge waiver.
3. What's the difference between Infinity and Plus variants?
Infinity: Higher rewards (10% vs 6%), more lounge visits (8+4 vs 4), higher income requirement (₹1L vs ₹25K), higher fee (₹1,499 vs ₹499).
Plus: Entry-level option for lighter spenders with lower benefits.
4. How do I earn and redeem NeuCoins?
Earning: Spend on Tata platforms (5-10%), other spends (1.5%), UPI (1.5% capped at ₹500/month).
Redemption: 1 NeuCoin = ₹1 at Tata brands (BigBasket, Croma etc.) via Tata Neu app.
Validity: No expiry as long as card is active.
5. What documents are required for application?
Mandatory: PAN, address proof (Aadhaar/Passport), income proof (salary slips/ITR).
Salaried: 3 months payslips + bank statements.
Self-Employed: 2 years ITR + business proofs.
Photograph and signed application form.
6. How can I apply for this card?
Online: Via HDFC website or Tata Neu app (fastest method).
Offline: Visit HDFC branch or through authorized agents.
Existing HDFC customers may check pre-approved offers in net banking.
7. What are the fees and charges?
Joining Fee: ₹1,499 + GST (approx ₹1,770).
Annual Fee: Same as joining, waived on ₹3L annual spend.
Other Charges: 2.5% cash advance fee, ₹550 late payment charge.
8. How does lounge access work?
Domestic: 8 visits/year (2/quarter) via Visa/RuPay network.
International: 4 visits/year via Priority Pass (Visa variant).
Post-June 2025: Domestic access requires ₹50,000 quarterly spend.
9. Can I get this card LTF (Lifetime Free)?
Occasionally offered as LTF during promotional periods (check Tata Neu app). Normally, annual fee is waived only on spending ₹3 lakh/year.
10. Why was my application rejected?
Common reasons:
- Income below ₹1L/month (salaried) or ₹12L/year (self-employed)
- Low credit score (<750) or high credit utilization
- Existing HDFC card with low limit (<₹1.5L)

List of HDFC Bengaluru Branches

  • Bengaluru (100 Feet Road-Indira Nagar)
  • Bengaluru (Agara Junction Branch)
  • Bengaluru (Agara Lake)
  • Bengaluru (Akshay Nagar)
  • Bengaluru (Amruthahalli)
  • Bengaluru (Anekal)
  • Bengaluru (Arakere)
  • Bengaluru (B Narayanapura)
  • Bengaluru (Bagalur)
  • Bengaluru (Banashankari Ring Road)
  • Bengaluru (Banaswadi)
  • Bengaluru (Airport Road)
  • Bengaluru (Banashankari)
  • Bengaluru (Bannerghatta Road)
  • Bengaluru (BWSSB Extn Counter)
  • Bengaluru (Fraser Town)
  • Bengaluru (Gandhi Bazaar)
  • Bengaluru (Indira Nagar)
  • Bengaluru (IT Park)
  • Bengaluru (J P Nagar)