Tata Neu Infinity HDFC Bank Credit Card: Is It Worth It for UPI Transactions?

Credit Card HDFC Bank Credit Card
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1. UPI Rewards Breakdown

Earn up to 1.5% in Neu Coins on UPI Payments

  • 1 Neu Coin = ₹1
  • UPI with Tata Neu UPI ID: 1.5% Neu Coins
    • 1% Neu Coins added to your Tata Neu account (unlocked after 30 days).
    • 0.5% credited to your credit card statement and transferred to Tata Neu account within 7 days.
  • UPI with other UPI IDs: 0.5% Neu Coins

Cap: Maximum 500 Neu Coins/month for UPI transactions.

2. Rewards on Other Transactions

Tata Neu App & Tata Brands: 5% Neu Coins

  • Includes: BigBasket, 1MG, Croma, Westside, Air India, IHCL, and more.

Non-Tata Brands: 1.5% Neu Coins
Utility Bill Payments via Tata Neu App: 5% Neu Coins

Exclusions:

  • No rewards on rent, fuel, government transactions, wallet loads, gift cards, etc.
  • Neu Coins for grocery, utilities, telecom, & cable transactions capped at 2,000 Neu Coins/month per category.

3. Boost Benefits with NeuPass

Combine with NeuPass for 10% Rewards on Tata Brands:

  • NeuPass offers up to 5% Neu Coins.
  • Pay with Tata Neu Infinity Card to earn another 5%.

Example:
Shop at BigBasket via Tata Neu App:

  • 5% Neu Coins from NeuPass.
  • 5% Neu Coins via the card.

4. Instant Discounts

HDFC frequently offers 10% instant discounts on Tata brands. Combine this with NeuPass and Neu Coins for up to 20% value!
Example:

  • 10% instant discount.
  • 5% Neu Coins (card).
  • 5% Neu Coins (NeuPass).

5. Airport Lounge Access

Domestic Lounges: 8/year (2 per quarter).
International Lounges: 4/year (1 per quarter).

6. Fees & Eligibility

Joining & Annual Fee: ₹1,499 + GST.
Welcome gift: 1,499 Neu Coins on the first transaction within 30 days.
Annual Fee Waiver: Spend ₹3 lakhs/year.

Eligibility:

  • Salaried: ₹1 lakh+ monthly income.
  • Self-employed: ₹12 lakh+ annual ITR.

7. Neu Coins Redemption

  • Redeem Neu Coins for Tata brands like BigBasket, Croma, Titan, IHCL Hotels, etc.
  • Use them online or at select offline stores (e.g., Tanishq, Croma).

8. Is It Good for UPI Payments?

Why Get It?

  • Best for those frequently shopping at Tata brands.
  • Up to 1.5% reward rate on UPI spends.
  • Attractive rewards when combined with NeuPass.

Why Not?

  • Some RuPay credit cards offer better rewards (>1.5%).

For More Details Visit Tata Neu Infinity HDFC Bank Credit Card