HDFC Bank · Visa / RuPay
Tata Neu Infinity
A Tata ecosystem rewards card with 5% NeuCoins on Tata Neu spends, 1.5% on regular spends and up to 1.5% on eligible UPI spends.
- Tata Neu
- UPI
- Rewards
- 5% savings on Tata ecosystem on brands like Tanishq, Big Basket, Westside, Air India, Tata Cliq, etc.
- RuPay UPI earns 0.5% through any UPI ID plus 1% through a Tata Neu UPI ID, capped at 500 NeuCoins per month.
- Fee
- Rs 1,499 + GST Waiver at Rs 3L
- NeuCoins
- Up to 5%
- UPI
- Up to 1.5%
At a glance
Tata Neu Infinity highlights
- Tata Neu
- 5% NeuCoins on eligible Tata ecosystem spends
- Base
- 1.5% NeuCoins on most retail spends
- Bills
- 5% NeuCoins on Tata Neu/Tata Pay utilities; insurance follows eligible terms
- Lounge
- 2 domestic/qtr after Rs 50k spend + 1 intl/qtr
- Fee
- Rs 1,499 + GST, waived at Rs 3L spends
Tata Neu Infinity: fees & key facts
| Joining fee | Rs 1,499 + GST |
|---|---|
| Annual fee | Rs 1,499 + GST; waived on Rs 3 lakh spend in a membership year |
| Welcome benefit | 1,499 NeuCoins on the first eligible transaction for cards on which the joining fee is charged |
| Tata Neu rewards | 5% NeuCoins on Tata Neu app spends at eligible Tata partner brands, Air India and Air India Express bookings, and Tata Pay utilities |
| Regular rewards | 1.5% NeuCoins on other eligible retail spends |
| UPI rewards | 0.5% NeuCoins through any eligible UPI ID, plus an additional 1% through a Tata Neu UPI ID; capped at 500 NeuCoins per month |
| Reward value | 1 NeuCoin = Rs 1 when redeemed across the Tata Neu app and eligible Tata partner brands |
| Reward caps | Caps include 2,000 NeuCoins/month for grocery and utilities, 2,000 NeuCoins/day for insurance, and 500 NeuCoins/month for eligible UPI transactions |
| Domestic lounge | 2 visits per calendar quarter after Rs 50,000 spend in the previous calendar quarter; access is via digital lounge vouchers |
| International lounge | 1 complimentary international lounge visit per calendar quarter through Priority Pass, with no stated spend condition |
| Forex markup | 2% + GST |
| Exclusions | No NeuCoins on wallet loads, fuel, rent, government transactions, online gaming and other excluded categories |
Last verified 4 July 2026. Issuer terms and offers can change; confirm them before applying.
Who should get it
Tata Neu Infinity is strongest for people who already spend meaningfully inside the Tata ecosystem: BigBasket, Croma, Tata 1mg, Tata CLiQ, Westside, Titan, Tanishq, Air India, IHCL hotels and Tata Pay.
The simple redemption value is the main appeal: 1 NeuCoin = Rs 1, and NeuCoins are usable inside the Tata Neu app and partner brands. The RuPay variant adds 1.5% on eligible UPI spends, which makes it more useful for daily payments than the Visa variant.
It is not a universal cashback card. If most of your online spends are outside Tata brands, SBI Cashback can be cleaner. If Tata brands are a regular part of your spending, Tata Neu Infinity can be one of the strongest ecosystem cards.
Tata Neu Infinity FAQs
Is Tata Neu Infinity lifetime free?
No. The standard joining and annual fee is Rs 1,499 plus GST. The renewal fee is waived when membership-year spends reach Rs 3 lakh. An older limited-period lifetime-free offer ended on 31 December 2024.
How much does Tata Neu Infinity earn on Tata brands?
It earns 5% NeuCoins on eligible Tata Neu app spends across partner brands such as BigBasket, Croma, Tata 1mg, Tata CLiQ, Westside, Titan, Tanishq, IHCL hotels, Air India and others, subject to fair usage limits.
Should I choose Visa or RuPay for Tata Neu Infinity?
Choose RuPay if you want UPI support. Eligible UPI payments earn 0.5% NeuCoins through any UPI ID, with an additional 1% only when the payment uses a Tata Neu UPI ID. Total UPI earnings are capped at 500 NeuCoins per month.
How does Tata Neu Infinity lounge access work?
Domestic lounge access gives 2 visits per calendar quarter after spending Rs 50,000 in the previous calendar quarter. International lounge access is 1 visit per calendar quarter through Priority Pass, with no stated spend condition.
How are NeuCoins redeemed?
NeuCoins are transferred to the Tata Neu account after statement generation and can be redeemed across the Tata Neu app and eligible Tata partner brands. The redemption value is simple: 1 NeuCoin equals Rs 1.
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