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HDFC Bank
Tata Neu Infinity HDFC Bank
Mid rangeCashbackWorks on UPIVisaRuPayVerified 4 Oct 2026
Joining fee
₹1,499
Annual fee
₹1,499
Waived on ₹3,00,000/yr spend
Forex mark-up
2%
+ 18% GST on the mark-up
Why people pick it
- ✓1.5% NeuCoins on all spends (1 NeuCoin = ₹1)
- ✓5–10% back on Tata brands: BigBasket, Croma, Tata CLiQ, 1mg, Air India, Taj
- ✓RuPay variant works on UPI
Watch out for
- !NeuCoins are only usable inside the Tata Neu ecosystem
- !UPI NeuCoins capped at 500/month
Rewards
| 1.5% NeuCoins on UPI via Tata Neu UPI ID (0.5% on other UPI apps) | 1.5% | cap ₹500/mo |
| Everything else (base rate) | 1.5% | no cap |
No rewards on: Fuel, Rent
Rates are shown as approximate ₹ value per ₹100 spent, after converting points at typical redemption values.
Travel & lounges
- Domestic lounge
- 8 / year
- International lounge
- 4 / year
- Spend condition
- ₹50,000 per quarter
Domestic lounge needs ₹50K spend in the same quarter
Eligibility
- Salaried
- ₹1,00,000/month
- Self-employed
- ₹12,00,000/yr ITR
- Age
- 21–65 years
- First-time applicants
- Harder
Income figures are indicative; banks decide case by case.
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