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Tata Neu Infinity HDFC Bank Credit Card Fees & MITC Charges

India's highest earning RuPay credit card for UPI payments and 10% returns across the Tata retail ecosystem.

HDFC BANK
RuPay▶

TATA NEU INFINITY

•••• •••• •••• 2026

Mid-Tier
Joining Fee
₹1,499
+ 18% GST on issuance
Annual Renewal Fee
₹1,499
Total billed: ₹1,769 incl. GST
Annual Fee Waiver Spend
₹3,00,000
Waived upon reaching annual spend
Forex Markup Fee
2%
Effective 2.36% incl. GST

Airport Lounge Access Policy (2026 Update)

Domestic Lounge Allowance:2 visit(s) per quarter
International Lounge Allowance:4 visit(s) per year (Priority Pass)
Quarterly Spend Condition:Unconditional (No spend requirement)

Official Rule: 8 complimentary domestic lounge visits (2 per quarter) plus 4 international lounge visits with Priority Pass.

Surcharges & Utility Caps

Fuel Surcharge:1% waiver on transactions between ₹400 and ₹5000 (up to ₹500/month).
Utility Spends:1% surcharge applies on cumulative monthly utility bill payments exceeding ₹50,000.

Key Strengths

  • •1.5% rewards on RuPay UPI merchant transactions
  • •Up to 10% returns on BigBasket, 1mg, Croma, and Air India
  • •Unconditional 8 domestic + 4 international lounge access

Limitations & Drawbacks

  • •NeuCoins must be redeemed within Tata ecosystem
  • •₹3,00,000 annual spend required for fee waiver
  • •1% charge on rent payments
Source Provenance
Primary Authority Document:Official Issuer Most Important Terms & Conditions (MITC)
Last Verified Date:2026-08-21
Regulatory Compliance:RBI Master Direction – Credit Card and Debit Card Issuance and Conduct Directions
View Official Bank MITC Apply on Official Bank Website →

Related Intelligence Tools

• Calculate Your Net Value for this Card →• Check Airport Lounge Spend Criteria →• Compare with 0% Forex Cards →• Decode Credit Card Statement Charge →

Questions about Tata Neu Infinity HDFC Bank Credit Card charges

What is the annual fee for Tata Neu Infinity HDFC Bank Credit Card?

The annual fee for Tata Neu Infinity HDFC Bank Credit Card is ₹1499 + 18% GST (total ₹1769). It can be waived by spending ₹3,00,000 in the preceding card anniversary year.

What is the foreign currency (forex) markup on Tata Neu Infinity HDFC Bank Credit Card?

Tata Neu Infinity HDFC Bank Credit Card charges a 2% foreign currency markup fee + 18% GST on all non-INR currency transactions and foreign merchants.

Does Tata Neu Infinity HDFC Bank Credit Card offer airport lounge access in 2026?

Tata Neu Infinity HDFC Bank Credit Card provides 2 complimentary domestic lounge visit(s) per quarter. No minimum quarterly spend required.