Verified — 16/16 categories
HDFC · Visa
Tata Neu Infinity
Best forShopping & Insurance
Earns5% NeuCoins (+5% NeuPass) on shopping — only at Tata Neu and partner Tata brands
1st Year / Joining Fee
₹1,499 + taxes
Renewal Fee
Not recorded
Fee waiver
₹3,00,000
annual spend
Network
Visa
HDFC
Tata Neu Infinity
VisaWhy this card may suit you
Based on the card's verified terms.
- Best suited to spending on shopping and insurance, where it earns 5% NeuCoins (+5% NeuPass) (only at Tata Neu and partner Tata brands)
- Annual fee is waived at ₹3,00,000 yearly spend
How you earn
Reward rates at a glance — exactly as recorded for this card.
ShoppingOnly at Tata Neu and partner Tata brands5% NeuCoins (+5% NeuPass)
Insurance1.5% NeuCoins
Utilities1.5% NeuCoins
Groceries1.5% NeuCoins
Shopping1.5% NeuCoins
All 16 reward categories · 16 of 16 categories verified
| Category | Rate | Cap | Condition |
|---|---|---|---|
| Rent | No reward | — | —Details
|
| Education | — | — | Education reward eligibility subject to direct institution payment channelDetails
|
| Insurance | 1.5% NeuCoins | 2,000 NeuCoins per month | Insurance rewards subject to 2,000 RP/month common capDetails
|
| Utilities | 1.5% NeuCoins | 2,000 NeuCoins per month | Utility rewards subject to 2,000 RP/month common capDetails
|
| Fuel | No reward | — | —Details
|
| Groceries | 1.5% NeuCoins | 2,000 NeuCoins per month | Grocery rewards subject to premium 2,000 RP/month cap tierDetails
|
| Dining | — | — | HDFC verified rule for DiningDetails
|
| Food Delivery | — | — | HDFC verified rule for Food DeliveryDetails
|
| Shopping | 1.5% NeuCoins | — | HDFC verified rule for Shopping · Also 5% NeuCoins (+5% NeuPass), only at Tata Neu and partner Tata brandsDetails
|
| Travel | — | — | HDFC verified rule for TravelDetails
|
| Government | No reward | — | —Details
|
| Wallet | No reward | — | —Details
|
| Railways | — | — | Railways transactions earn standard base rewardDetails
|
| FASTag | — | — | HDFC verified rule for FASTagDetails
|
| Jewellery | — | — | HDFC verified rule for JewelleryDetails
|
| Telecom | 1.5% NeuCoins | 2,000 NeuCoins per month | HDFC verified rule for TelecomDetails
|
“—” means not established. “Research pending” is not zero: it means DhanChakshu has not finished verifying that category, so it is not counted.
Cost & caps
What it costs to hold, and where rewards stop.
1st Year / Joining Fee
₹1,499 + taxes
Renewal Fee
Not recorded
Fee waiver
₹3,00,000
annual spend
Reward caps
- Shopping — 500 NeuCoins / month (per category — Shopping)
- Groceries — 2,000 NeuCoins / month (per category — Groceries)
- Insurance — 2,000 NeuCoins / month (per category — Insurance)
- Utilities — 2,000 NeuCoins / month (per category — Utilities)
- Telecom — 2,000 NeuCoins / month (per category — Telecom)
Spending thresholds
- Spend ₹3,00,000 per card year → annual fee waived
Key benefits
Rewards
5% NeuCoins (+5% NeuPass) on shopping (only at Tata Neu and partner Tata brands)
Fee waiver
Annual fee waived on ₹3,00,000 annual spend
Important to know
Limits and exclusions that change what you earn.
- Shopping rewards are capped at 500 NeuCoins / month (per category — Shopping)
- Groceries rewards are capped at 2,000 NeuCoins / month (per category — Groceries)
- No reward on: Rent, Fuel, Government, Wallet
- Spend ₹3,00,000 per card year → annual fee waived
Who should consider this card
✓ Good fit if
- Your spending is concentrated in shopping, insurance, utilities
- You can reach the ₹3,00,000 annual spend that waives the fee
△ Less useful if
- Much of your spending is in rent, fuel, government, which earn nothing
- You cannot reach the fee-waiver spend and would pay the annual fee
Full details
Everything else, expanded on demand.
Caps & exclusions · 5 caps · 4 no-reward categories
Caps
- Shopping — 500 NeuCoins / month (per category — Shopping)
- Groceries — 2,000 NeuCoins / month (per category — Groceries)
- Insurance — 2,000 NeuCoins / month (per category — Insurance)
- Utilities — 2,000 NeuCoins / month (per category — Utilities)
- Telecom — 2,000 NeuCoins / month (per category — Telecom)
Categories with no reward or not eligible
- Rent — No reward.
- Fuel — No reward.
- Government — No reward.
- Wallet — No reward.
Milestones · 1 recorded
- Spend ₹3,00,000 per card year → benefit worth ₹1,499 — Annual renewal fee waiver on spending ₹3 lakh in a year.
Eligibility
Bank eligibility / internal underwriting
Specifications
- Payment network: Visa
- Airport lounge: Not recorded by DhanChakshu — check the issuer terms
- Fuel surcharge waiver: Not recorded by DhanChakshu — check the issuer terms
- Foreign-currency markup: Not recorded by DhanChakshu — check the issuer terms
What DhanChakshu couldn't fully verify · 3 areas
3 areas need further verification. None of these are counted as zero.
- • Lounge benefit — not recorded; check the issuer terms
- • Fuel surcharge waiver — not recorded; check the issuer terms
- • Foreign-currency markup — not recorded; check the issuer terms
Sources & verification
Verification & sources · last checked 2026-09-22
Verification coverage: All 16 categories verified
Card record last checked: 2026-09-22
Official product page: https://www.hdfcbank.com/
Documents used
NeuCoins, UPI, caps, exclusions · HDFC-PASS5-06
HDFC Bank — Tata Neu Infinity Card FAQ (updated 07-Jan-2026) · SRC-HDFC-NEU-INF-FAQ · 2026-09-30