Credit Card Compare

Tata Neu Infinity HDFC Bank Credit Card

Data last updated 7 October 2026
45.00%
Purchase rate
₹1,499
Annual fee
1,499
Bonus points
Application

CardIQ

59Good

Good

Overall score, out of 100 · How this works

  • Airport lounge58
  • Rewards53
  • Travel68

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Pros & cons

What's good

    Worth noting

      Card details

      The basics

      Additional cardholder fee
      ₹0 p.a.
      Card tier
      Not published
      Card type
      Visa
      Card use
      Personal
      Credit limit
      Not published
      Credit rating
      Not published
      Rewards program
      NeuCoins (Tata Neu)

      Eligibility

      Instant approval
      Not published
      Joint application
      Not published
      Minimum age
      21 years old
      Minimum income
      ₹12,00,000 p.a.
      Residency
      Indian nationality; salaried aged 21 to 60 (monthly income ₹1,00,000); self-employed aged 21 to 65 (annual ITR above ₹12,00,000)
      Temporary residents
      Not published

      Rates & fees

      Ongoing interest rates

      Cash advances
      45.00% p.a.
      Purchases
      45.00% p.a.

      Fees

      Additional cardholder fee
      ₹0
      Annual fee
      ₹1,499 p.a.
      Cash advance fee
      2.5% of the amount
      Foreign transaction fee
      2%
      Late payment fee
      ₹1,300
      Over limit fee
      ₹550

      Repayments

      Interest-free period
      Up to 50 days on purchases
      Minimum repayment
      5% of (retail spends + cash advance + finance charge) plus GST, EMI amounts, 100% of fees and charges and any over-limit amount; where 5% is less than the finance charge, 100% of the finance charge plus 5% of retail spends and cash advance (HDFC Bank MITC, from June 2025)

      Balance transfers

      This card has no promotional balance transfer offer. To move existing debt to a lower rate, compare balance transfer cards.

      Introductory purchase offer

      This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.

      Rewards

      Earn rate

      Everyday spend
      1.5 NeuCoins per ₹100
      Bonus categories
      5 NeuCoins per ₹100 in bonus categories
      Other purchases
      None
      Overseas spend
      None
      Reduced rate above monthly cap
      None
      Points cap
      Uncapped
      Points expiry
      12 months from the end of the month in which they are credited to the Tata Neu account (from 1 August 2025)

      Sign-up bonus

      Bonus spend required
      1 transaction within 30 days of card issuance (1,499 NeuCoins as reversal of the first-year fee; not for Lifetime Free and First Year Free cards)
      Sign-up bonus
      1,499 points

      Where this card sits vs similar cards

      Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.

      Purchase rate45.00%Tied for best (1st of 11 cards)
      Interest-free days50 daysTop 10% (2nd of 11 cards)
      Rewards value₹13,500 a yearTop 25% (2nd of 7 cards)
      Overseas fee2.00%Top 25% (3rd of 11 cards)
      Annual fee₹1,499 a yearNot as good as most cards (8th of 11 cards)

      Data as at October 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

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      Sources

      Credit Card Compare
      How CardIQ scores cards
      Issuer
      HDFC Bank