Available Card Variants
Tata Neu Infinity RuPay
RuPayPrimary variant on RuPay network. Unlocks 1.5% cashback on UPI transactions and worldwide lounge access.
Tata Neu Infinity Visa
VisaVisa Signature variant offering identical 10% Tata rewards, lounge access, and 2% forex markup.
Tata Neu Plus HDFC Credit Card
RuPay / VisaBase variant with ₹499 fee (waived at ₹1L spend), ₹25k/mo income criteria, up to 7% on Tata, 1% on UPI/others, and 4 domestic lounge visits/year.
Card Benefits
Key benefits available with this card.
Up to 10% on Tata Brands
Earn 5% back as NeuCoins on partner Tata brands plus an extra 5% NeuCoins on transactions made on Tata Neu app/website via NeuPass (1 NeuCoin = ₹1).
1.5% Back on UPI Spends
Earn 1.5% back as NeuCoins on UPI spends using the RuPay variant, capped at 500 NeuCoins per calendar month.
1.5% on Non-Tata & EMI Spends
Earn 1.5% back as NeuCoins on non-Tata retail purchases and merchant EMI transactions.
12 Airport Lounge Access Worldwide
Get up to 12 complimentary airport lounge visits annually: 8 domestic lounge visits (max 2/quarter on ₹50k spend) and 4 international visits (max 1/quarter).
Low 2% Forex Markup
Enjoy international transactions with a reduced foreign currency markup fee of just 2%.
1,499 NeuCoins Welcome Benefit
Get 1,499 bonus NeuCoins on the Tata Neu App upon completing your first transaction within 30 days of card issuance.
1% Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 at all fuel stations across India (capped at ₹500 per statement cycle).
Annual Fee Waiver
The annual renewal fee of ₹1,499 is waived upon spending ₹3,00,000 or more in the preceding anniversary year.
Welcome / Free Offer
1,499 NeuCoins on the Tata Neu App upon making the first transaction within 30 days of card issuance.
Value up to ₹1,499
Eligibility: Make first transaction within 30 days of card issuance.
Rewards & Points
How rewards are earned on this card.
| Category | Reward | Details |
|---|---|---|
| Tata Neu App + NeuPass Spends | 10.0000 points / ₹100 | Earn up to 10% value back (5% card + 5% NeuPass) on non-EMI spends across Tata brands on the Tata Neu platform (1 NeuCoin = ₹1). |
| Partner Tata Brands (Direct) | 5.0000 points / ₹100 | Earn 5% back as NeuCoins on non-EMI spends directly at partner Tata brand stores and platforms (Air India, Croma, BigBasket, Westside, etc.). |
| UPI Spends (RuPay Variant) | 1.5000 points / ₹100 | Earn 1.5% back as NeuCoins on eligible UPI Scan & Pay transactions, capped at 500 NeuCoins per calendar month. |
| Non-Tata Brands & Merchant EMI | 1.5000 points / ₹100 | Earn 1.5% back as NeuCoins on all other domestic retail spends and merchant EMI transactions. |
| Excluded Categories | 0.0000 points / ₹100 | Transactions on fuel, wallet reloads, rent payments, cash advances, and government services do not earn NeuCoins. |
Airport Lounge Access
Domestic Airport Lounge
8 visits per year (Max 2/quarter) · Domestic
8 complimentary domestic airport lounge visits per year, capped at 2 visits per quarter on spending ₹50,000 in the previous calendar quarter.
International Airport Lounge
4 visits per year (Max 1/quarter) · International
4 complimentary international airport lounge visits per year, capped at 1 visit per calendar quarter via Priority Pass / LoungeKey.
Fuel Surcharge Waiver
Current Offers & Promotions
Zero Joining Fee Offer
Active₹0 Joining Fee
Maximum benefit: 1499.00
Currently available with zero joining fee under the limited-time promotional offer.
1,499 NeuCoins Welcome Bonus
Active1,499 NeuCoins
Maximum benefit: 1499.00
Receive 1,499 bonus NeuCoins on the Tata Neu App on making your first transaction within 30 days of card issuance.
Annual Fee Spend Waiver
Active₹1,499 Waived
Maximum benefit: 1499.00
Annual renewal fee of ₹1,499 is waived upon spending ₹3,00,000 or more in the preceding anniversary year.
Eligibility Criteria
21 to 65 yrs
Salaried and Self-employed
₹100,000 / month
₹1,200,000 / year ITR
730+
New to Credit: Not Allowed
Additional Eligibility Details
Important Eligibility Information
Age: 21 to 65 years. Salaried Income: ₹1,00,000/month (₹12 LPA). Self-Employed: Annual ITR > ₹12,00,000. Credit Score: 730+. New-to-credit applicants are not allowed.
Income: Salaried: ₹1,00,000 per month. Self-employed: Annual ITR > ₹12,00,000 (For base Neu Plus: Salaried ₹25k/mo, Self-employed ₹6L/yr).
Employment: Salaried and Self-employed Indian residents.
Credit Score: Minimum credit score of 730+ required.
Documents Needed
Fees & Charges
₹1,499
Current offer: FREE
₹1,499 + GST
Pros
• Up to 10% value back in NeuCoins across Tata brands (5% card + 5% NeuPass)
• 1.5% back as NeuCoins on UPI spends via the RuPay variant (up to 500/month)
• 1.5% back on non-Tata brand spends and merchant EMIs
• 12 complimentary airport lounge visits per year (8 domestic + 4 international)
• Low foreign currency markup fee of just 2%
• 1 NeuCoin = ₹1 with seamless redemption across 10+ major Tata brands
• Currently offered with zero joining fee
Cons
• High income eligibility (₹1,00,000/month for salaried)
• 1.5% UPI cashback is capped at 500 NeuCoins per calendar month
• Domestic lounge access requires ₹50,000 spend in the previous quarter
• NeuCoins expire within 365 days of earning