Your Trusted Guide to Smart Spending and Maximising Rewards !

Eligibility Criteria

For Salaried Indian Nationals: If you're between 18 and 65 years old, with a monthly income of over ₹1 Lakh, this card could be a great option for you.

For Self-Employed Indian Nationals: If you're between 18 and 65 years old and file an ITR of more than ₹12 Lakhs annually, you’re also eligible to apply.

Fees and Charges

• Joining Fees: ₹1,499
• Renewal Membership Fee: ₹1,499 + Applicable Taxes (which is ₹1,768.82)
• Renewal Fees Waived: Spend ₹3,00,000 or more in a year
• Interest Charges: 3.75% per month (45% per year)
• Fuel Surcharge Waiver: Enjoy a 1% fuel surcharge waiver at all fuel stations across India, on transactions between ₹400 and ₹5,000, with a maximum waiver of ₹500 per statement cycle. However, the GST amount will not be reversed.
• Foreign Currency: 2% of transactional value which translates to 2.36% with taxes

Welcome Benefit

Cardholders will receive 1,499 NeuCoins (reversal of 1st Year Membership Fees), upon the 1st transaction within 30 days of card issuance.

The NeuCoins awarded will be valid for 365 days from the claim date. However, the Lifetime Free or First Year Free cardholders are not eligible for the Welcome Benefit.

Reward Structure

Type of Spends	NeuCoins
Selected categories on Tata Neu via NeuPass Membership*	5% back as NeuCoins
Non-EMI Retail Spends on Tata Neu and partner Tata Brands	5% back as NeuCoins
Non-EMI Retail Spends on Non-Tata Brands	1.5% back as NeuCoins
Merchant EMI Spends (Any Brand)	1.5% back as NeuCoins
Any UPI Spends on Rupay Credit Card (Including Partner Tata Brands)	1.5% back as NeuCoins (max of 500 NeuCoins per calendar month) 0.50% back as NeuCoins for transactions done using any UPI ID (Google Pay, PhonePe, Cred, etc.) Additional 1% back as NeuCoins if the transaction is done using the Tata Neu UPI ID. So, you should spend up to ₹33,333 via Tata Neu to maximise your UPI spends.

* This benefit will be applicable for transactions done only via Primary Card Holder Mobile Number Account (as per credit card application) on Tata Neu. Currently, Bill Payment (Tata Pay), Tanishq, Cult.fit, Air India, Tata Play spends are not eligible for additional 5% NeuCoins via NeuPass Membership.

List of Tata partners: Tata 1MG, BigBasket, Croma, Air India Express, Tata CliQ, IHCL (Taj Hotels), Westside, Qmin, Tata Play, Cult, Tata Pay, Titan, Tanishq, and Air India.

Capping on different categories:
Grocery spending earns rewards up to 2,000 NeuCoins per month.
Utility spending earns rewards up to 2,000 NeuCoins per month.
Telecom & Cable spending earns rewards up to 2,000 NeuCoins per month.
Insurance spending earns rewards up to 2,000 NeuCoins per day.

Exclusions for NeuCoins Accrual:
- Fuel spends
- Wallet loads, gift/prepaid card loads, voucher purchases
- Rental and government-related transactions
- Education payments made through third-party apps (e.g., CRED, Cheq, MobiKwik). However, payments made directly through college/school websites or POS machines will still earn NeuCoins.

NOTE: The maximum reward points that can be earned in a statement cycle is 50,000 points.

Airport Lounge Access

• Lounge Access in India: Cardholders can enjoy 8 complimentary lounge accesses per calendar year (twice per quarter) through the Visa/RuPay Credit Card Lounge program.
• Priority Pass Within India: Using Priority Pass for lounge access within India will incur charges on your credit card.
• Lounge Access Outside India (VISA Card Members): Using Priority Pass, VISA cardholders are entitled to up to 4 complimentary lounge accesses per calendar year (1 per quarter).
• Lounge Access Outside India (RUPAY Card Members): Rupay cardholders can swipe/tap their card to avail complimentary lounge access. A transaction fee of $3.25 will be charged for lounge access, which will later be reversed.

Insurance Benefits

• Air Accidental Death Cover: Cardholder will get ₹1 crore air accidental death cover, applicable if the cardholder sustains bodily injury resulting in death within 12 months of an air accident.
• Emergency Overseas Hospitalization: Cardholders are eligible for up to ₹15 Lakhs coverage for emergency overseas hospitalization in case of bodily injury or sudden unexpected sickness during international travel (excluding pre-existing conditions).
• Lost Card Liability: The card offers up to ₹9 Lakhs coverage for lost card liability, ensuring protection if your card is lost or stolen.

Redemption Options for Tata Neu Infinity Card

• To redeem or utilize the NeuCoins transferred to Tata Neu, download the Tata Neu App. NeuCoins can be redeemed at the rate of 1 NeuCoin = ₹1 on eligible transactions, as defined by the individual brands.

Redemption on Mobile App / Website Via Tata Pay

• Select ‘Tata Pay’ as your payment option at checkout.
• Redeem the desired amount of NeuCoins using Tata Pay.
• Applicable Brands: Tata Neu, Air India Express, Bigbasket, Croma, IHCL Hotels

Via NeuCoins / Use my NeuCoins / Loyalty Points

• Select ‘NeuCoins’ / ‘Use my NeuCoins’ / ‘Loyalty Redemption’ option at checkout.
• Redeem the desired amount of NeuCoins.
• Applicable Brands: Tata Cliq, Tata 1mg, Titan/Tanishq (Only via Tata Neu)

Redemption at Stores At Point of Sale / Cashier Desk

• Share your Tata Neu Registered Mobile Number with the cashier.
• Cashier will confirm your NeuCoins balance.
• Confirm the amount of NeuCoins you want to redeem.
• The cashier will trigger an OTP to your registered mobile number for verification.
• Voice out the OTP to complete your purchase with NeuCoins.
• Applicable Brands: Croma, IHCL Hotels, Westside

Important Note: NeuCoins redemption option is currently not available on Air India, Tata Play, and Bill Payment on Tata Neu.

To apply for the card, click here.

Conclusion

The Tata Neu Infinity Credit Card offers 5% rewards on Tata Neu and partner brands, and 1.5% on other purchases. Both Visa and RuPay versions include international airport lounge access. It’s an excellent backup to the SBI Cashback Card. The RuPay version gives 1.5% NeuCoins on UPI transactions, letting you earn rewards on everyday UPI payments.

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