Tata Neu Infinity HDFC Bank Credit Card
Up to 10% back in NeuCoins across Tata brands, plus UPI payments on RuPay
- Joining fee
- ₹1,499
- Annual fee
- ₹1,499 + GST
- Fee waived at
- ₹3,00,000 annual spend
- Effective return
- 2.8%
- Forex markup
- 2.00%
- Lounge access
- 8 domestic · 4 international
- Min. income
- ₹6,00,000/yr
- Min. credit score
- 730+
On HDFC Bank’s secure site. Checking eligibility is a soft enquiry.
Our verdict
The best UPI credit card if you already shop across Tata brands. Being able to earn rewards on QR-code payments is a genuine structural advantage over Visa and Mastercard cards.
How we scored it
- Rewards
- 2.8
- Fees
- 4.7
- Perks
- 2.3
- Accessibility
- 3.8
Rewards carry 40% of the weight, perks 25%, fees 20% and accessibility 15%. The score is computed from the fields above, not assigned. See the full method on our methodology page.
What works, what does not
- RuPay network means you can link it to UPI and scan-and-pay
- Strong returns across Croma, BigBasket, Westside, Air India and Tata 1mg
- Low 2% forex markup
- NeuCoins are only spendable within the Tata ecosystem
- Value drops sharply outside Tata brands
The full cost
Data as of 15 Aug 2026Source: hdfcbank.comPending issuer verification
Is the fee worth it for you?
Put in your actual spending. The calculator works out the net value after the fee and its GST — the number that decides whether this card pays you or costs you.
- Rewards + perks75%
- Fee25%
- Annual spend
- ₹6,00,000
- Rewards earned
- ₹9,000
- Annual fee incl. 18% GST
- ₹2,950
- Net value in year 1
- ₹8,550
- Effective return on spend
- 1.01%
- Monthly spend to break even
- ₹16,389
What this means.A genuine 1.01% return. Remember the GST on the annual fee — most comparisons forget it, and it is 18% on top of the sticker fee.