High-value rewards for Tata ecosystem loyalists.
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 vouchers after ₹50K same-quarter spend; 1 international/qtr, shared quota
Fee
Rs 1,499 + GST, waived at Rs 3L spends
5% NeuCoins on Tata Neu app spends at eligible Tata partner brands, Air India and Air India Express bookings, and Tata Pay utilities Grocery, insurance, utility and telecom rewards are each capped at 2,000 NeuCoins/month; eligible UPI rewards are capped at 500 NeuCoins/month
Earn 0.5% NeuCoins through any eligible UPI ID, plus an additional 1% when paying through a Tata Neu UPI ID, capped at 500 NeuCoins per month.
1 NeuCoin equals Rs 1 across the Tata Neu app and eligible Tata partner brands.
₹50,000 cumulative spend in the same calendar quarter qualifies for 2 digital lounge vouchers. Claim within 120 days of qualification; use within 180 days of issuance 1 visit/quarter, shared primary/add-ons. Visa requires a requested Priority Pass; RuPay uses the card directly under its lounge programme
The joining and annual fee is Rs 1,499 plus GST; the renewal fee is waived on Rs 3L membership-year spends.
| 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 | Grocery, insurance, utility and telecom rewards are each capped at 2,000 NeuCoins/month; eligible UPI rewards are capped at 500 NeuCoins/month |
| Domestic lounge | ₹50,000 cumulative spend in the same calendar quarter qualifies for 2 digital lounge vouchers. Claim within 120 days of qualification; use within 180 days of issuance |
| International lounge | 1 visit/quarter, shared primary/add-ons. Visa requires a requested Priority Pass; RuPay uses the card directly under its lounge programme |
| Forex markup | 2% + GST |
| Exclusions | No NeuCoins on wallet loads, fuel, rent, government transactions, online gaming and other excluded categories |
Public issuer terms checked 3 October 2026.
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.
Reward exclusions
Eligibility follows the merchant category code and transaction data received by the issuer, so the merchant name alone may not determine whether a transaction earns rewards.
Eligible original merchant-EMI purchases can earn NeuCoins; do not treat all EMI purchases as excluded. Direct education can earn rewards. Grocery, insurance, utility and telecom rewards each have a 2,000-NeuCoin monthly cap.
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.
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.
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.
₹50,000 cumulative spend in the same calendar quarter qualifies for 2 digital lounge vouchers. Claim within 120 days of qualification; use within 180 days of issuance. 1 visit/quarter, shared primary/add-ons. Visa requires a requested Priority Pass; RuPay uses the card directly under its lounge programme
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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You'll apply on HDFC Bank