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HDFC Bank · Mid

Tata Neu Infinity HDFC

Where it ranks across all 187 cards
#3 Electronics 5.0% at Croma direct #1 Jewellery & watches 5.0% at Tanishq direct #4 Hotels 5.0% at Taj / IHCL hotels direct #5 Groceries 5.0% at BigBasket direct #10 Insurance 1.5% direct
#14 Utility bills 1.5% direct #20 Mobile / broadband 1.5% direct #27 Train tickets 1.5% direct #29 Other 1.5% direct #32 Health & pharmacy 1.5% direct #34 Cabs & transit 1.5% direct #40 Flights 1.5% direct #44 Dining out 1.5% direct #47 Fashion 1.5% direct #48 Online shopping 1.5% direct #48 Movies & events 1.5% direct #49 Food delivery 1.5% direct
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Reward rules2 direct
Base rate - everything not covered below
1.50%base rate
1.5% cashback
source
Source: Tata Neu Infinity MITC - hdfcbank.com - read 20 Aug 2026
5% NeuCoins at ALL partner Tata brands (MID/TID-based, not app-gated)
5.00%this rule
5 pts / ₹100
how it works & source
1.5% base + 3.5% additional on Croma, BigBasket, Westside, CliQ, IHCL, Air India/Express, 1mg, Cult, Tata Play, Titan/Tanishq, Qmin, Tata Pay bills. Per-brand monthly FUP ceilings: Croma ₹6L, IHCL/Air India ₹8L, CliQ/Westside ₹3L, BigBasket/Tata Pay ₹1L, 1mg/Cult/Tata Play ₹2L, Titan/Tanishq ₹6L. NeuPass app layer adds up to +5% (excl Tata Pay/Tanishq/Cult/Air India/Tata Play). RuPay UPI: 1.5% total capped 500 NeuCoins/month.
Source: Tata Neu Infinity T&C 3 Jan 2026 + card page - hdfc.bank.in - read 22 Aug 2026
Base rate, but capped4
Utilities/telecom: 1.5% capped 2,000 NeuCoins/month each
base rate
2,000 NeuCoins/month
source
Source: Tata Neu Infinity T&C, 3 Jan 2026 (bank PDF) - hdfc.bank.in - read 22 Aug 2026
Telecom & cable: 1.5% capped 2,000 NeuCoins/month
base rate
2,000 NeuCoins/month
source
Source: Tata Neu Infinity T&C, 3 Jan 2026 (bank PDF) - hdfc.bank.in - read 22 Aug 2026
Grocery: 1.5% capped 2,000 NeuCoins/month
base rate
2,000 NeuCoins/month
source
Source: Tata Neu Infinity T&C, 3 Jan 2026 (bank PDF) - hdfc.bank.in - read 22 Aug 2026
Insurance: 1.5% capped 2,000 NeuCoins/month
base rate
2,000 NeuCoins/month
source
Source: Tata Neu Infinity T&C, 3 Jan 2026 (bank PDF) - hdfc.bank.in - read 22 Aug 2026
Percentages here are each rule's own rate. The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and portal/voucher routes above are shown for completeness but never set it.
Earns nothing on7 exclusions
Fuel
earns nothing
Fuel earns no NeuCoins.
→ use IndianOil RBL XTra here (7.5%)
detail & source
categories: Fuel
Source: Tata Neu Infinity T&C, 3 Jan 2026 (bank PDF) - hdfc.bank.in - read 22 Aug 2026
Rent
earns nothing
Rental transactions earn no NeuCoins.
→ use Axis Burgundy Private here (4.2%)
detail & source
categories: Rent
Source: Tata Neu Infinity T&C, 3 Jan 2026 (bank PDF) - hdfc.bank.in - read 22 Aug 2026
Government / tax
earns nothing
Government transactions earn no NeuCoins.
→ use Biz Black Metal Edition Credit Card here (2.5%)
detail & source
categories: Government / tax
Source: Tata Neu Infinity T&C, 3 Jan 2026 (bank PDF) - hdfc.bank.in - read 22 Aug 2026
Wallet load
earns nothing
Wallet loads, gift/prepaid cards and voucher purchases earn nothing.
→ use SC Ultimate here (3.3%)
detail & source
categories: Wallet load
Source: Tata Neu Infinity T&C, 3 Jan 2026 (bank PDF) - hdfc.bank.in - read 22 Aug 2026
Education
earns nothing
Education via third-party apps earns nothing (1 Sep 2024).
→ use Axis Burgundy Private here (5.2%)
detail & source
categories: Education
Source: Tata Neu Infinity T&C, 3 Jan 2026 (bank PDF) - hdfc.bank.in - read 22 Aug 2026
Gaming
earns nothing
Online skill-based gaming (MCC 5816) earns nothing w.e.f.
→ use FIRST Private here (6.6%)
detail & source
1 Jul 2025 - the one MCC code HDFC prints.
categories: Gaming · MCCs: 5816
Source: Tata Neu Infinity T&C, 3 Jan 2026 (bank PDF) - hdfc.bank.in - read 22 Aug 2026
EMI
earns nothing
Smart EMI/Dial-an-EMI earn nothing (17 Nov 2025); MERCHANT EMI still earns 1.5%.
→ use Kotak Solitaire Credit Card here (3.0%)
detail & source
NeuCoins expire 12 months; cycle ceiling 50,000.
categories: EMI
Source: Tata Neu Infinity T&C, 3 Jan 2026 (bank PDF) - hdfc.bank.in - read 22 Aug 2026
1,499 NeuCoins as reversal of the 1st year membership fee
on joining · applicable on the 1st transaction done within 30 days of card issuance; claimable inside the Tata Neu app within 60 days of that transaction (window extends to 180 days from statement date for eligible customers). Lifetime Free / First Year Free cards are not eligible
Source: HDFC Bank - Tata Neu Infinity HDFC Bank Credit Card T&C - hdfc.bank.in - read 11 Oct 2026
Perks the card unlocks at these places, beyond its earn rate. They never change a ranking - check the bank page before you count on one.
Lounge access (domestic, milestone)
2 complimentary domestic lounge visits per calendar quarter (up to 8 a year) on spends of ₹50,000 or more in a calendar quarter
Source: HDFC Bank - Tata Neu Infinity HDFC Bank Credit Card - hdfc.bank.in - read 11 Oct 2026
HDFC card insurance
Accidental air death cover worth ₹1 crore and emergency overseas hospitalisation cover of ₹15 lakh
Source: HDFC Bank - Tata Neu Infinity HDFC Bank Credit Card - hdfc.bank.in - read 11 Oct 2026
Rent
HDFC rent fee 1% + GST (capped ₹4,999 per transaction)
1%
🪙 The gold coin play - the honest 5% version
Buy gold coins at Tanishq/Titan on the Tata Neu Infinity card and earn 5% NeuCoins - the T&C explicitly ADDS Titan/Tanishq as partner brands and has no jewellery exclusion. The "10%" version on Reddit is wrong: Tanishq excludes gold coins from its own program, and NeuPass excludes Tanishq entirely.
₹1,00,000 gold coin on Infinity → 5,000 NeuCoins = ₹5,000 (5.0%). Brand-side: +0 (Tanishq FAQ: "gold coins/bars & gift cards are excluded"). NeuPass extra: +0 (Tanishq is on the exclusion list). Plus card: 2%.
🔺 Tata triple-dip - where "up to 10%" is actually real
Card 5% + NeuPass app-side coins (tier-based: ~2/3/5%) + brand tier perks stacks to ~10% on BigBasket groceries, Croma, and - the best expression - Taj hotels via Tata Neu, where tickets are big and coins spend at the hotel desk.
₹10,000 BigBasket month: 500 coins (card) + ~500 (Legend app side) ≈ ₹1,000 back = 10% on groceries.
🧾 Household bills through Tata Pay at 5%
Bill payments on the Tata Neu app earn the full partner rate - 5% on Infinity - on up to ₹1,00,000 of bills a month. One of the strongest bill lanes in the market, printed in the T&C.
₹20,000/month of bills → 1,000 NeuCoins = ₹1,000 (5%) → ₹12,000/year; cap ₹1L/month, ₹6L/year.
💍 Jewellery scheme stacking - the low-teens % play
For jewellery (not coins), instalment schemes stack with cards: Tanishq Golden Harvest paid on Tata Neu Infinity earns 5% NeuCoins on every instalment PLUS the scheme benefit (~6.8% of corpus); Malabar Golden Glow waives up to 14% of making charges and accepts Amazon Pay balance loaded via discounted vouchers.
Golden Harvest: 5% NeuCoins + ~6.8% scheme benefit ≈ 11-12% effective on Tanishq jewellery; Malabar GPP: up to 14% making-charge waiver + voucher multipliers.
🪔 Akshaya Tritiya / Dhanteras - when jewellery stacks 3 deep
The two gold festivals are when store making-charge offers (up to 20-35%), bank instant discounts (~5% capped), and card rewards stack. Amex carries standing jeweller tie-ups (Kalyan 35% off making on Amex vs 25% on Visa).
A ₹2L jewellery purchase: 25% off ₹30k making (₹7,500) + ₹2,500 instant discount + ₹6,600 Infinia points ≈ ₹16,600 (8%+) vs walking in on a random Tuesday.
💍 Online jewellery is MCC 5094 - know which cards earn BEFORE you buy
Deep jewellery discounts (Bhima online blink deals priced 22K near ₹13,000-13,400/g against ~₹14,500 market) code as MCC 5094 - a category most cards exclude. The discount is the edge; points are a bonus only on the right card.
Bhima blink deal: 22K at ~₹13,000-13,400/g all-in vs ~₹14,500/g market incl GST → ~8% under market even at zero card rewards.
No card paid to be here. A few have asked.
Every rate is read off the bank's own page and carries the date we read it. Every answer is worked out in your browser from that data - nothing is precomputed.
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