The Tata Neu Infinity Credit Card is one of the premium cards offered by HDFC Bank, designed for users who love shopping, travel, and rewards. Before applying, it’s important to understand the Tata Neu Infinity Credit Card charges to manage your spending smartly. The card comes with joining and renewal fees similar to other HDFC credit cards, and these can often be waived off based on your annual spending. Compared to HDFC Infinia Credit Card charges, the Tata Neu Infinity offers excellent value with NeuCoins and exciting lifestyle benefits.
Whether you’re planning to get a new card or checking your HDFC credit card renewal details, knowing these charges will help you make an informed choice and enjoy the full potential of your Tata Neu Infinity card.
Tata Neu Infinity Credit Card Charges November 2025
The Tata Neu Infinity Credit Card, offered by HDFC Bank, is one of the most rewarding co-branded cards in India. It’s designed for users who frequently shop on the Tata Neu app, travel often, and prefer luxury experiences. Before you apply, it’s essential to know all the Tata Neu Infinity Credit Card charges so you can use it wisely and make the most of its benefits. Understanding these charges — from joining fees to renewal and finance charges — will help you compare it with other premium options like the HDFC Infinia Credit Card annual fee.
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Here’s a detailed breakdown of all key Tata Neu Credit Card charges and related costs you should know:
1. Joining and Renewal Fees
- Joining Fee: ₹1,499 + applicable taxes.
When you join, you also get Tata NeuCoins as a welcome benefit, which can offset your joining fee if you shop through the Tata Neu app. - Renewal Fee: ₹1,499 + taxes per year.
This is the Tata Neu HDFC Credit Card charge applied annually, but you can get it waived off if you spend ₹3 lakh or more in the previous year.
Also Check: HDFC Tata Neu Credit Card Benefits November 2025
2. Finance Charges
- The finance charge on outstanding balances is 3.6% per month (or 43.2% annually).
This is a standard rate across HDFC credit cards, so try to pay your dues in full to avoid these extra Tata Neu Infinity charges.
3. Cash Advance Charges
- You can withdraw cash using your Tata Neu Infinity Credit Card, but it comes at a cost.
- Cash advance fee: 2.5% of the withdrawn amount or ₹500 (whichever is higher).
- Additionally, finance charges on cash withdrawals start from the transaction date itself.
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4. Late Payment Charges
If you miss your payment due date, HDFC Bank will apply late payment fees based on your outstanding balance:
- Up to ₹100 – Nil
- ₹100 to ₹500 – ₹100
- ₹501 to ₹5,000 – ₹500
- ₹5,001 to ₹10,000 – ₹600
- ₹10,001 to ₹25,000 – ₹800
- ₹25,001 to ₹50,000 – ₹1,100
- Above ₹50,000 – ₹1,300
These late fees are part of the Tata Neu HDFC Credit Card charges, so it’s best to pay your bill on time.
5. Foreign Currency Markup Fee
- When you use your card for international transactions, a 2% markup fee (plus taxes) is charged on the transaction amount.
- This makes it more affordable than many other cards, including the HDFC Infinia Credit Card annual fee segment, for users who travel abroad frequently.
6. Reward Redemption Fee
- Every time you redeem your Tata NeuCoins for purchases or benefits, there’s a small ₹99 + GST redemption charge.
- This applies to both Tata Neu Infinity and Tata Neu Plus variants.
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7. Card Replacement or Reissue Charges
- If your card is lost or damaged, the reissue fee is ₹100 + GST.
- You can request a replacement easily via the HDFC Bank website or customer care.
8. Overlimit and EMI Conversion Charges
- Overlimit Fee: 2.5% of the overlimit amount (minimum ₹500).
- EMI Processing Fee: 1% of the transaction amount (minimum ₹250).
These charges apply if you exceed your limit or convert a purchase into EMI.
The Tata Neu Infinity Credit Card charges are well-balanced considering the premium perks, lounge access, and high reward rates it offers. Compared to Tata Neu Plus or other co-branded cards, it gives more value to frequent shoppers on the Tata Neu app and loyal HDFC customers. While it has similar pricing to other premium cards, it’s still more affordable than the HDFC Infinia Credit Card annual fee range.
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If you’re a regular Tata Neu user and want a powerful credit card with cashback, NeuCoins, and travel perks, the Tata Neu HDFC Credit Card is worth it — as long as you keep track of these charges and pay on time.
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