{
  "id": "hdfc-tata-neu-infinity",
  "locale": "hi",
  "name": "Tata Neu Infinity HDFC Bank Credit Card",
  "bank": "HDFC Bank",
  "cardType": "shopping",
  "cardTier": "premium",
  "annualFee": "₹1,499 + GST",
  "loungeAccess": "8 घरेलू लाउंज (2/तिमाही) + 4 अंतरराष्ट्रीय Priority Pass",
  "rewardsRate": "टाटा ब्रांड्स पर 10% तक · UPI व गैर-टाटा खर्च पर 1.5%",
  "bestFor": "Tata इकोसिस्टम (BigBasket, 1mg, Croma, Air India) और UPI QR पेमेंट्स",
  "officialLink": "https://www.hdfc.bank.in/credit-cards/tata-neu-infinity-hdfc-bank-credit-card",
  "aiVerdict": {
    "score": 5,
    "summary": "Its modest reward rate and low annual fee offset limited lounge access.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "Limited lounge access compared with premium travel cards"
    ],
    "confidence": 1
  },
  "rewardRatePercent": 1.5,
  "affiliateId": "hdfc-tata-neu-infinity",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "LIVE_VERIFIED",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "HDFC Bank — Tata Neu Infinity Credit Card schedule of charges",
    "Tata Digital — NeuCoins rewards and NeuPass multiplier guidelines"
  ],
  "feeWaiver": "₹3 लाख वार्षिक खर्च पर शुल्क माफ",
  "networks": [
    "RuPay",
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "Tata Neu खर्च",
      "value": "10% तक NeuCoins"
    },
    {
      "key": "UPI पेमेंट्स",
      "value": "1.5% NeuCoins (RuPay)"
    },
    {
      "key": "गैर-Tata खर्च",
      "value": "1.5% फ्लैट NeuCoins"
    },
    {
      "key": "शुल्क माफी",
      "value": "₹3 लाख सालाना खर्च"
    },
    {
      "key": "लाउंज एक्सेस",
      "value": "8 घरेलू + 4 अंतरराष्ट्रीय"
    },
    {
      "key": "वेलकम बोनस",
      "value": "1,499 NeuCoins"
    }
  ],
  "earnRates": [
    {
      "category": "Tata ब्रांड्स (BigBasket, 1mg, Croma, Air India, Taj)",
      "rate": "10.0% (5% Card + 5% NeuPass)",
      "monthlyCap": "कोई सीमा नहीं",
      "perLakhSpent": "10,000 NeuCoins (₹10,000)"
    },
    {
      "category": "UPI मर्चेंट QR खर्च (RuPay)",
      "rate": "1.5%",
      "monthlyCap": "500 NeuCoins / माह",
      "perLakhSpent": "1,500 NeuCoins (₹1,500)"
    },
    {
      "category": "सामान्य गैर-Tata रिटेल खर्च",
      "rate": "1.5%",
      "monthlyCap": "कोई सीमा नहीं",
      "perLakhSpent": "1,500 NeuCoins (₹1,500)"
    },
    {
      "category": "ईंधन और किराया",
      "rate": "0%",
      "monthlyCap": "शून्य (Excluded)",
      "perLakhSpent": "0 NeuCoins"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Tata Neu ऐप (BigBasket, 1mg, Croma, Tata CLiQ)",
      "multiplier": "2×",
      "rate": "10.0%",
      "monthlyCap": "कोई सीमा नहीं",
      "dailyCap": "—",
      "note": "त्वरित 5% कार्ड रिवॉर्ड + 5% NeuPass कॉइन्स।"
    },
    {
      "channel": "Tata Neu पर Air India और Taj Hotels",
      "multiplier": "2×",
      "rate": "10.0%",
      "monthlyCap": "कोई सीमा नहीं",
      "dailyCap": "—",
      "note": "सीधी फ्लाइट और होटल बुकिंग पर।"
    },
    {
      "channel": "Tata Neu ऐप के जरिए UPI पेमेंट्स",
      "multiplier": "1.5×",
      "rate": "1.5%",
      "monthlyCap": "500 NeuCoins / माह",
      "dailyCap": "—",
      "note": "UPI से लिंक किए गए RuPay कार्ड पर।"
    }
  ],
  "redemptionRoutes": [
    {
      "route": "BigBasket, 1mg, Croma, Air India पर सीधा खर्च",
      "value": "₹1.00 / NeuCoin",
      "minPoints": "1 NeuCoin",
      "ceiling": "कोई सीमा नहीं",
      "fee": "शून्य",
      "isBest": true
    },
    {
      "route": "Taj होटल स्टे और डाइनिंग",
      "value": "₹1.00 / NeuCoin",
      "minPoints": "1 NeuCoin",
      "ceiling": "कोई सीमा नहीं",
      "fee": "शून्य",
      "isBest": true
    }
  ],
  "exclusions": [
    "किराया भुगतान (Rent pay)।",
    "पेट्रोल पंपों पर ईंधन खर्च (1% सरचार्ज छूट लागू)।",
    "वॉलेट लोड और सरकारी कर।",
    "EMI रूपांतरण।"
  ],
  "feesDetail": [
    {
      "item": "जॉइनिंग शुल्क",
      "value": "₹1,499 + GST"
    },
    {
      "item": "वार्षिक नवीनीकरण शुल्क",
      "value": "₹1,499 + GST (₹3 लाख खर्च पर माफ)"
    },
    {
      "item": "फॉरेक्स मार्कअप",
      "value": "2.0% + GST"
    },
    {
      "item": "रिवॉल्विंग ब्याज दर",
      "value": "3.6% प्रति माह (43.2% वार्षिक)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "आयु सीमा",
      "requirement": "21 से 60 वर्ष"
    },
    {
      "criteria": "वेतनभोगी आय",
      "requirement": "₹1 लाख मासिक शुद्ध वेतन (₹12L वार्षिक)"
    },
    {
      "criteria": "स्वरोजगार आय",
      "requirement": "₹12 लाख से अधिक का ITR"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}