{
  "id": "hdfc-tata-neu-infinity",
  "locale": "hinglish",
  "name": "Tata Neu Infinity HDFC Bank Credit Card",
  "bank": "HDFC Bank",
  "cardType": "shopping",
  "cardTier": "premium",
  "annualFee": "₹1,499 + GST",
  "loungeAccess": "8 Domestic (2/quarter) + 4 International Priority Pass",
  "rewardsRate": "Up to 10% on Tata Brands · 1.5% on UPI & Non-Tata Spends",
  "bestFor": "Tata ecosystem shoppers (BigBasket, 1mg, Croma, Air India) and UPI QR spenders",
  "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 Lakh annual spend par fee waive",
  "networks": [
    "RuPay",
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "Tata Neu Spends",
      "value": "Up to 10% NeuCoins"
    },
    {
      "key": "UPI Payments",
      "value": "1.5% NeuCoins (RuPay)"
    },
    {
      "key": "Non-Tata Spends",
      "value": "1.5% flat NeuCoins"
    },
    {
      "key": "Fee Waiver",
      "value": "₹3 Lakh / year"
    },
    {
      "key": "Lounge Access",
      "value": "8 Dom + 4 Intl visits"
    },
    {
      "key": "Welcome Gift",
      "value": "1,499 NeuCoins"
    }
  ],
  "earnRates": [
    {
      "category": "Tata Brands (BigBasket, 1mg, Croma, Air India, Taj, CLiQ)",
      "rate": "10.0% (5% Card + 5% NeuPass)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "10,000 NeuCoins (₹10,000)"
    },
    {
      "category": "UPI Merchant QR Spends (RuPay)",
      "rate": "1.5%",
      "monthlyCap": "500 NeuCoins / month cap",
      "perLakhSpent": "1,500 NeuCoins (₹1,500)"
    },
    {
      "category": "General Non-Tata Retail Spends",
      "rate": "1.5%",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "1,500 NeuCoins (₹1,500)"
    },
    {
      "category": "Fuel & Rent",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 NeuCoins"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Tata Neu App (BigBasket, 1mg, Tata CLiQ, Croma)",
      "multiplier": "2×",
      "rate": "10.0%",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "Direct 5% card reward + 5% NeuPass member coins."
    },
    {
      "channel": "Air India & Taj Hotels via Tata Neu",
      "multiplier": "2×",
      "rate": "10.0%",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "Flight tickets aur hotel reservations pe."
    },
    {
      "channel": "UPI Payments via Tata Neu App",
      "multiplier": "1.5×",
      "rate": "1.5%",
      "monthlyCap": "500 NeuCoins / month",
      "dailyCap": "—",
      "note": "RuPay variant linked to UPI."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Direct Spend on BigBasket, 1mg, Croma, Air India",
      "value": "₹1.00 / NeuCoin",
      "minPoints": "1 NeuCoin",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "Taj Stays & Dining",
      "value": "₹1.00 / NeuCoin",
      "minPoints": "1 NeuCoin",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    }
  ],
  "exclusions": [
    "Rent payments.",
    "Fuel purchases (1% surcharge waiver on ₹400–₹5,000).",
    "Wallet loads aur government taxes.",
    "EMI conversions."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹1,499 + GST"
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹1,499 + GST (Waived at ₹3 Lakh spend)"
    },
    {
      "item": "Forex Markup",
      "value": "2.0% + GST"
    },
    {
      "item": "Finance Charges",
      "value": "3.6% / month (43.2% / year)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Age",
      "requirement": "21–60 years"
    },
    {
      "criteria": "Salaried Income",
      "requirement": "₹1 Lakh net monthly salary (₹12L per annum)"
    },
    {
      "criteria": "Self-Employed Income",
      "requirement": "ITR above ₹12 Lakhs per annum"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}