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Tata Neu Infinity
HDFC • RuPay

Tata Neu Infinity

Earn NeuCoins across Tata ecosystem spends and 1.5% NeuCoins on eligible non-Tata and UPI spends.

Annual Fee₹1499Waived on ₹3L spend
Base Reward1.5%On all spends
Lounge Access1713 domestic • 4 intl
Est. Annual Savings₹9,846Based on ₹4.8L annual spend

Fee waiver & value estimator

Adjust your spend to see fee waiver eligibility and capped rewards.

Annual fee
₹30,000 / mo
₹3,60,000 / year
Estimated rewards₹5,400

Assumes base reward rate only.

Annual feeWaived

Waived on ₹3L spend

Net value₹5,400

Estimated savings per year.

Fee waiver target: ₹3,00,000 annual spend.Category caps apply for certain spends.

Reward Rate Breakdown

Category-wise reward rates for this card

Shopping
5.0%
Basedefault
1.5%
UPI
1.5%

Insights

Verified card-level notes, best use-cases, and watchouts.

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Insights

  • Neu Infinity is strongest for users who actively spend inside Tata Neu/Tata brands.
  • The RuPay UPI lane adds convenience but is still cap-constrained for heavy UPI users.
  • Lounge benefit is no longer a static entitlement and depends on spend eligibility.

Best Utilization

  • Route Tata ecosystem transactions here first to maximize high NeuCoin multipliers.
  • Use UPI lane for routine small-ticket spends but monitor monthly NeuCoin cap.
  • Pair with an uncapped online cashback card for non-Tata categories after cap saturation.

Watchouts

  • If you rarely transact in Tata ecosystem, effective reward rate can be lower than advertised headline.
  • NeuCoins are not equivalent to unrestricted cash and have ecosystem lock-in.
  • Track lounge spend eligibility quarter-wise before travel bookings.

Truth Data Snapshot

Issuer-linked details for offers, redemption, lounges, and reliability status.

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Offer Truth

  • Joining fee₹1,499
  • Annual fee₹1,499
  • Waiver threshold₹3,00,000
  • Cap typemixed
  • Cap resetmonthly
  • Last verified2026-02-13

Redemption Truth

  • Cash value/point₹1
  • Travel value/point₹1
  • Transfer partners0
  • Min redemption₹1
  • Expiry policyNot listed
  • Last verified2026-02-13

Lounge Truth

  • NetworkRuPay
  • Domestic count8
  • International count4
  • Quarterly limit2
  • Airport-terminal rows17
  • Policy check2026-02-13

Reliability + Outcomes

  • Verification statusverified
  • Freshness days0
  • Source conflicts0
  • Applied reports24
  • Approval reports15

Upgrade Path

These are objective same-bank step-up options from the current rewards and lounge model.

Step 1

HDFC Millennia

Annual fee: ₹1000

Shared focus: Shopping+2 more lounge visits in current datasetEstimated +₹1,852/yr value
View Details

Lounge Eligibility Checklist

Mapped from issuer lounge dataset + card policy signals

Lounge Spend Tracker

Eligibility target met: No

Track lounge eligibility for Tata Neu Infinity using your current year spend.

₹0 spent₹3 target

Policy signal used: Annual fee waiver on ₹3L yearly spend

Spend threshold

Domestic and international lounge access with spend-based eligibility under current policy

Quarter / cycle rule

No quarter or billing-cycle lounge rule is explicitly listed.

Guest access

Guest access policy is not explicitly listed in current data.

Priority Pass

International lounge access is listed; verify if this is via Priority Pass or direct network.

Lounge Locations

17 airport lounge rows
View lounge map and location list17 rows
Loading interactive lounge map...

Click a city marker to jump to its lounge list below.

Ahmedabad

1 lounges • 1 domestic • 0 international

1
The LoungeDomestic

AHM • Ahmedabad Airport • Terminal 1

Bengaluru

5 lounges • 4 domestic • 1 international

5
080 Domestic LoungeDomestic

BEN • Bengaluru Airport • Terminal 2

080 Domestic Lounge EastDomestic

BEN • Bengaluru Airport • Terminal 1

080 Domestic Lounge West PH1Domestic

BEN • Bengaluru Airport • Terminal 1

080 Domestic Lounge West PH2Domestic

BEN • Bengaluru Airport • Terminal 1

080 International LoungeInternational

BEN • Bengaluru Airport • Terminal 2

Chennai

3 lounges • 2 domestic • 1 international

3
Travel Club LoungeInternational

CHE • Chennai Airport • Terminal 2

Travel Club Lounge ADomestic

CHE • Chennai Airport • Terminal 1

Travel Club Lounge BDomestic

CHE • Chennai Airport • Terminal 1

Hyderabad

2 lounges • 1 domestic • 1 international

2
Encalm LoungeDomestic

HYD • Hyderabad Airport • Terminal 1

Encalm LoungeInternational

HYD • Hyderabad Airport • Terminal 1

Kochi

1 lounges • 1 domestic • 0 international

1
Earth LoungeDomestic

KOC • Kochi Airport • Terminal 1

Kolkata

1 lounges • 1 domestic • 0 international

1
Travel Club LoungeDomestic

KOL • Kolkata Airport • Terminal 1

Mumbai

3 lounges • 2 domestic • 1 international

3
Adani East LoungeInternational

MUM • Mumbai Airport • Terminal 2

Adani LoungeDomestic

MUM • Mumbai Airport • Terminal 1B

Adani LoungeDomestic

MUM • Mumbai Airport • Terminal 2

Pune

1 lounges • 1 domestic • 0 international

1
Earth LoungeDomestic

PUN • Pune Airport • Terminal 1

Redemption Optimizer

20,000
Estimated points20,000per year
→
Estimated redemption value₹20,000@ ₹1.00 / point

Typical voucher/cash-like path

Voucher / statement-style value

Illustration only. Final value depends on issuer program terms, partner ratios, and redemption availability at time of use.

Key Benefits

  • Up to 10% NeuCoins on Tata Neu app transactions and Tata brand spends
  • 1.5% NeuCoins on eligible non-Tata spends including UPI on RuPay variant
  • Annual fee waiver on ₹3L yearly spend
  • Domestic and international lounge access with spend-based eligibility under current policy

Things to Consider

  • Best earn rates are ecosystem dependent and strongest inside Tata Neu flow
  • UPI rewards are capped per statement cycle under issuer rules
  • Lounge benefits are spend-linked and not unconditional
  • NeuCoins are reward-currency locked to Tata ecosystem redemption paths

About Tata Neu Infinity

Tata Neu Infinity is a points card from HDFC, best for upi payments & tata users. It is tagged under upi, shopping, travel categories in our database.

UPIShoppingTravel

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Frequently asked questions

Is Tata Neu Infinity lifetime free?

It has an annual fee of ₹1499. Waived on ₹3L spend

What rewards does Tata Neu Infinity offer?

Earn NeuCoins across Tata ecosystem spends and 1.5% NeuCoins on eligible non-Tata and UPI spends.

Does Tata Neu Infinity include lounge access?

Tata Neu Infinity lists 17 lounge visits (13 domestic, 4 international).

Who should consider Tata Neu Infinity?

UPI Payments & Tata Users

Where can I apply for Tata Neu Infinity?

Check the issuer website for application availability.