If you are looking for a credit card that offers you extraordinary rewards and savings on a wide range of categories, you might want to consider the Tata Neu Infinity HDFC Bank Credit Card. This card, powered by Visa or RuPay, is designed to give you up to 10% back as NeuCoins on your spends on Tata Neu and partner Tata brands, such as Tanishq, Westside, Star Bazaar, Croma, Taj Hotels and more. You can also earn 1.5% back as NeuCoins on all other eligible spends, including UPI and merchant EMI transactions. NeuCoins are the reward points that you can redeem for vouchers, products or services on the Tata Neu app or website. One NeuCoin is equivalent to one rupee.
Features and Benefits of Tata Neu Infinity HDFC Bank Credit Card
Here are some of the key features and benefits of this card that make it an attractive option for shoppers and travellers:
Welcome Benefit: You get 1,499 NeuCoins as a welcome bonus when you complete your first transaction within 90 days of card issuance.
NeuPass Membership: You get a complimentary NeuPass membership for one year, which gives you an additional 5% back as NeuCoins on selected categories on Tata Neu app or website, such as groceries, medicines, fashion, electronics, travel and more. You can also access exclusive offers and deals from various brands and merchants on Tata Neu.
Airport Lounge Access: You get 8 complimentary domestic airport lounge access and 4 complimentary international airport lounge access per calendar year using your Visa or RuPay card or Priority Pass respectively. You can enjoy free Wi-Fi, refreshments, newspapers and magazines at the lounges.
Fuel Surcharge Waiver: You get a 1% fuel surcharge waiver on fuel transactions between Rs. 400 and Rs. 5,000 at all petrol pumps in India. The maximum waiver amount is Rs. 500 per statement cycle.
Zero Lost Card Liability: You get a zero liability cover for any fraudulent transactions made on your card after you report the loss of your card to the 24-hour customer care centre.
Foreign Currency Markup: You get a low foreign currency markup of 2% on all your international transactions, which is lower than the industry average of 3.5%.
Revolving Credit: You get the option to pay only the minimum amount due on your card and carry forward the balance at a nominal interest rate.
Fees and Charges of Tata Neu Infinity HDFC Bank Credit Card
The fees and charges of this card are as follows:
Joining Fee: Rs. 1,499 (currently waived off as a limited period offer)
Renewal Fee: Rs. 1,499 (waived off if you spend Rs. 3 lakh or more in the preceding year)
Interest Rate: Up to 3.6% per month (43.2% per annum)
Cash Advance Fee: 2.5% of the amount withdrawn or Rs. 500, whichever is higher
Late Payment Fee: Rs. 100 to Rs. 950 depending on the statement balance
Overlimit Fee: 2.5% of the overlimit amount or Rs. 500, whichever is higher
Cheque Return Fee: Rs. 550 per cheque
Payment Return Fee: 2% of the payment amount or Rs. 450, whichever is higher
Cash Processing Fee: Rs. 100 per statement
Rewards Redemption Fee: Rs. 99 per redemption request
How to Apply for Tata Neu Infinity HDFC Bank Credit Card
You can apply for this card online by visiting the HDFC Bank website or the Tata Neu website and filling out the application form with your personal and professional details. You will also need to upload some documents such as your identity proof, address proof, income proof and PAN card. Alternatively, you can visit your nearest HDFC Bank branch and submit your application along with the required documents.
You will need to meet the following eligibility criteria to apply for this card:
- You should be an Indian citizen
- You should be at least 21 years old
- You should have a good credit score and history
- You should have a stable source of income
Conclusion
The Tata Neu Infinity HDFC Bank Credit Card is a great choice for those who want to enjoy rewards and savings on their spends across various categories, especially on Tata Neu and partner Tata brands. The card also offers other benefits such as airport lounge access, fuel surcharge waiver, zero lost card liability and low foreign currency markup. The card has a reasonable annual fee that can be waived off if you meet the spending criteria. However, the card also has some drawbacks, such as a high interest rate, a rewards redemption fee and a limited number of partner brands. Therefore, you should weigh the pros and cons of this card before applying for it.
FAQs
1. What is Tata Neu Infinity HDFC Bank Credit Card?
Tata Neu Infinity HDFC Bank Credit Card is a co-branded credit card that offers extraordinary rewards and savings on Tata Neu and partner Tata brands, as well as other categories such as travel, bill payments, UPI, etc. It also comes with benefits such as zero lost card liability, foreign currency markup, revolving credit, lounge access, fuel surcharge waiver and more.
2. How can I apply for Tata Neu Infinity HDFC Bank Credit Card?
You can apply for Tata Neu Infinity HDFC Bank Credit Card online by visiting https://www.hdfcbank.com/personal/pay/cards/credit-cards/tata-neu-infinity-hdfc-bank-credit-card or https://www.tatadigital.com/creditcard/ and filling out the application form. You will need to provide your personal, professional and income details, as well as upload the required documents. You will also need to undergo a verification process before your card is approved and dispatched.
3. What are the fees and charges associated with Tata Neu Infinity HDFC Bank Credit Card?
The joining fee for Tata Neu Infinity HDFC Bank Credit Card is ₹1,499 + GST, which is waived off for a limited time period. The renewal fee is also ₹1,499 + GST, which can be waived off if you spend ₹3 lakh or more in the preceding year. The interest rate on revolving credit is 3.49% per month (41.88% annually). The foreign currency markup is 2% on all your foreign currency spends. The cash advance fee is 2.5% of the amount withdrawn or ₹500, whichever is higher. The late payment fee ranges from ₹100 to ₹950, depending on the outstanding balance. For more details on fees and charges, please refer to https://www.hdfcbank.com/personal/pay/cards/credit-cards/tata-neu-infinity-hdfc-bank-credit-card.
4. How can I earn and redeem NeuCoins with Tata Neu Infinity HDFC Bank Credit Card?
You can earn NeuCoins with Tata Neu Infinity HDFC Bank Credit Card by spending on various categories such as Tata Neu, partner Tata brands, bill payments, UPI, etc. You can earn up to 5% back as NeuCoins on these categories, depending on the type of spend and whether you have activated the NeuPass membership. You can also earn 1.5% back as NeuCoins on all other eligible spends (except fuel, wallet loads and Smart EMI / Dial an EMI transactions). One NeuCoin is equivalent to ₹1. You can redeem your NeuCoins for vouchers, products or services on Tata Neu App or Website. You can also use them to pay your credit card bill or convert them into air miles.
5. What is NeuPass membership and how can I activate it?
NeuPass membership is a feature that allows you to earn additional 5% back as NeuCoins on selected categories on Tata Neu App or Website, such as groceries, medicines, travel, food delivery and healthcare. To activate the NeuPass membership, you need to download the Tata Neu App and register for it using your mobile number linked to your credit card. You will receive an OTP to verify your number and activate the membership. Once activated, you can enjoy the additional rewards for 12 months from the date of activation.
6. What are the benefits of lounge access with Tata Neu Infinity HDFC Bank Credit Card?
With Tata Neu Infinity HDFC Bank Credit Card, you can enjoy complimentary lounge access at domestic and international airports. You can avail up to 8 domestic lounge access per calendar year (2 in a quarter) and up to 4 international lounge access per calendar year (1 per quarter) using Priority Pass. You will need to present your credit card or Priority Pass at the lounge to avail the benefit. You will be charged ₹2 for domestic lounge access and US $27 + GST for international lounge access (if you exceed the complimentary limit or visit with a guest).
7. How can I pay my Tata Neu Infinity HDFC Bank Credit Card bill?
You can pay your Tata Neu Infinity HDFC Bank Credit Card bill using various modes such as net banking, mobile banking, UPI, NEFT, RTGS, cheque, cash or debit card. You can also use your NeuCoins to pay your credit card bill partially or fully on Tata Neu App or Website.
8. How can I check my Tata Neu Infinity HDFC Bank Credit Card statement and balance?
You can check your Tata Neu Infinity HDFC Bank Credit Card statement and balance by logging in to your net banking or mobile banking account. You can also register for email statements or SMS alerts to receive your monthly statement and balance information. You can also call the HDFC Bank customer care number 1860 267 6161 or 1800 266 4332 to check your statement and balance.
9. How can I report a lost or stolen Tata Neu Infinity HDFC Bank Credit Card?
If you lose your Tata Neu Infinity HDFC Bank Credit Card or suspect any fraudulent transactions on it, you should immediately report it to the HDFC Bank customer care number 1860 267 6161 or 1800 266 4332. You can also block your card online by logging in to your net banking or mobile banking account. You will have zero liability on any fraudulent transactions made on your credit card after reporting it.
10. How can I contact the Tata Neu Infinity HDFC Bank Credit Card customer care?
You can contact the Tata Neu Infinity HDFC Bank Credit Card customer care by calling the toll-free number 1860 267 6161 or 1800 266 4332. You can also email them at customerservices.cards@hdfcbank.com or write to them at HDFC Bank Cards Division, P.O. Box No. 8654, Thiruvanmiyur, P.O., Chennai - 600041.
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