Tata Neu Infinity HDFC Bank Credit Card 2025 Review: Premium Rewards in a Purple Glow

Why This Card Impressed Me
The Tata Neu Infinity card blends loyalty rewards with travel perks flawlessly. With its purple metal design and Tata ecosystem integration, it stands out both visually and in functionality.

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💰 Rewards Breakdown

• Up to 10 % NeuCoins on Tata-related spends: 5 % on Tata brands + 5 % when using the Tata Neu app with NeuPass.
• 1.5 % NeuCoins on all non-Tata and merchant EMI transactions.
• 1.5 % NeuCoins on UPI through Tata Neu UPI ID (up to 500 NeuCoins/month); otherwise 0.5 % via other UPI apps.

✈️ Lounge & Travel Essentials

• 8 domestic lounge visits/year—2 per quarter; now issued as vouchers after ₹50 k quarterly spend.
• 4 complimentary international lounge entries via Priority Pass —1 per quarter.
• Fuel surcharge waiver of 1 % (₹400–₹5 000 txn), capped at ₹500 per month.
• Travel insurance: overseas hospitalization, air accidental cover up to ₹1 cr, baggage loss/dealy – ₹50 k.

💳 Core Insurance & Safety

• Zero liability for lost or stolen card fraud (₹9 L cover).
• 2 % forex markup — lower than typical premium cards.
• Contactless tap‑to‑pay and Smart EMI options enhance convenience.

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🔖 Fees & Waivers

• Joining/Renewal Fee: ₹1,499 + GST (often waived first year); renewal waived if spends ≥₹3 L yearly.
• NeuCoins welcome bonus: 1,499 NeuCoins on first transaction within 30 days.

📣 What Real Users Say
Redditor notes the card shines at combining Tata offers and sometimes doubles NeuCoin rewards on Top brands:

"I earned 2,500 Neu Coins for spending over ₹25,000 in a month… Overall, this card offers fantastic value if you regularly use Tata services"

✅ Who Should Apply

• You live within the Tata ecosystem—Croma, BigBasket, Air India, Tanishq, IHCL, etc.
• Arrange routine Tata Neu UPI transactions to utilize 1.5 % NeuCoins.
• Enjoy travel and lounge perks and can spend ₹3 L annually to justify the fee.

⚠️ What to Watch

• Reward caps apply on categories like groceries (₹2k/month) and utilities.
• Lounge entries now tied to milestones, not direct swipes.
• UPI reward demands use of Tata Neu app, not GPay/PhonePe.

🧭 Final Take
The Tata Neu Infinity card crafts a strong identity around Tata brand loyalty and travel perks. If you're entrenched in the Tata landscape and regularly use their app & services, it’s a rewarding companion. Travellers will appreciate lounge access and insurance, and Jaipur-friendly exchange costs sweeten the deal. Just ensure you meet annual spend thresholds—and are okay navigating the Tata Neu ecosystem.

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