5% NeuCoins on BigBasket, Croma, Tata CLiQ, 1mg, Westside
1.5% NeuCoins on UPI via Tata Neu UPI ID (RuPay)
1.5% NeuCoins on all other spends
Domestic + international lounge access
UPI through other apps earns only 0.5%, and UPI rewards are capped at 500 NeuCoins a month. NeuCoins can only be used within Tata brands.
Approximate value back on every ₹100 you spend.
The Tata Neu Infinity HDFC Bank is worth it if you spend a lot on groceries (5%) and online shopping (1.5%). The ₹1,499 annual fee is waived when you spend ₹3,00,000 a year (about ₹25,000 a month), so it's worth it if you'll hit that. It's less suitable if neuCoins only usable within Tata brands.
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21–60 years (salaried), up to 65 (self-employed)
Regular income; the bank sets the minimum
750+ gives the best approval chances
PAN, Aadhaar, and recent salary slips or ITR
The joining fee is ₹1,499 and the annual fee is ₹1,499 (plus GST). The annual fee is waived if you spend ₹3,00,000 or more in a year.
Yes. The Tata Neu Infinity HDFC Bank is available on RuPay, so you can link it to UPI apps like GPay, PhonePe and Paytm and pay at any merchant QR code.
Yes: Domestic + international. Lounge rules can change, so check current terms with the issuer.
It's best for upi + tata brands. Earn NeuCoins on UPI payments and 5%+ on BigBasket, Croma & Tata CLiQ.
HDFC Bank
Federal Bank / Axis Bank / BOBCARD
Axis Bank