Tata Neu Infinity HDFC
MidHDFC Bank
Where it ranks · across all 71 cards
Reward rules
Base rate - everything not covered below
cashback
1.50%
effective
5% NeuCoins at ALL partner Tata brands (MID/TID-based, not app-gated)
5 pts / ₹100= 5 pts per ₹100
valued at ₹1/pt for this rule
5.00%
conservative value
1.5% base + 3.5% additional on Croma, BigBasket, Westside, CliQ, IHCL, Air India/Express, 1mg, Cult, Tata Play, Titan/Tanishq, Qmin, Tata Pay bills. Per-brand monthly FUP ceilings: Croma ₹6L, IHCL/Air India ₹8L, CliQ/Westside ₹3L, BigBasket/Tata Pay ₹1L, 1mg/Cult/Tata Play ₹2L, Titan/Tanishq ₹6L. NeuPass app layer adds up to +5% (excl Tata Pay/Tanishq/Cult/Air India/Tata Play). RuPay UPI: 1.5% total capped 500 NeuCoins/month.
Source: Tata Neu Infinity T&C 3 Jan 2026 + card page · 2026-08-22
Base rate, but capped - these categories earn normally up to a monthly ceiling
Earns nothing on
- ⊘ Fuel earns no NeuCoins.
- ⊘ Rental transactions earn no NeuCoins.
- ⊘ Government transactions earn no NeuCoins.
- ⊘ Wallet loads, gift/prepaid cards and voucher purchases earn nothing.
- ⊘ Education via third-party apps earns nothing (1 Sep 2024).
- ⊘ Online skill-based gaming (MCC 5816) earns nothing w.e.f. 1 Jul 2025 - the one MCC code HDFC prints.5816bank MCC list→ use Axis Magnus for Burgundy here (10.5%)
- ⊘ Smart EMI/Dial-an-EMI earn nothing (17 Nov 2025); MERCHANT EMI still earns 1.5%. NeuCoins expire 12 months; cycle ceiling 50,000.
Plays with this card
- 🪙 The gold coin play - the honest 5% version
Buy gold coins at Tanishq/Titan on the Tata Neu Infinity card and earn 5% NeuCoins - the T&C explicitly ADDS Titan/Tanishq as partner brands and has no jewellery exclusion. The "10%" version on Reddit is wrong: Tanishq excludes gold coins from its own program, and NeuPass excludes Tanishq entirely.
₹1,00,000 gold coin on Infinity → 5,000 NeuCoins = ₹5,000 (5.0%). Brand-side: +0 (Tanishq FAQ: "gold coins/bars & gift cards are excluded"). NeuPass extra: +0 (Tanishq is on the exclusion list). Plus card: 2%.
- 🔺 Tata triple-dip - where "up to 10%" is actually real
Card 5% + NeuPass app-side coins (tier-based: ~2/3/5%) + brand tier perks stacks to ~10% on BigBasket groceries, Croma, and - the best expression - Taj hotels via Tata Neu, where tickets are big and coins spend at the hotel desk.
₹10,000 BigBasket month: 500 coins (card) + ~500 (Legend app side) ≈ ₹1,000 back = 10% on groceries.
- 🧾 Household bills through Tata Pay at 5%
Bill payments on the Tata Neu app earn the full partner rate - 5% on Infinity - on up to ₹1,00,000 of bills a month. One of the strongest bill lanes in the market, printed in the T&C.
₹20,000/month of bills → 1,000 NeuCoins = ₹1,000 (5%) → ₹12,000/year; cap ₹1L/month, ₹6L/year.
- 💍 Jewellery scheme stacking - the low-teens % play
For jewellery (not coins), instalment schemes stack with cards: Tanishq Golden Harvest paid on Tata Neu Infinity earns 5% NeuCoins on every instalment PLUS the scheme benefit (~6.8% of corpus); Malabar Golden Glow waives up to 14% of making charges and accepts Amazon Pay balance loaded via discounted vouchers.
Golden Harvest: 5% NeuCoins + ~6.8% scheme benefit ≈ 11-12% effective on Tanishq jewellery; Malabar GPP: up to 14% making-charge waiver + voucher multipliers.
- 🪔 Akshaya Tritiya / Dhanteras - when jewellery stacks 3 deep
The two gold festivals are when store making-charge offers (up to 20-35%), bank instant discounts (~5% capped), and card rewards stack. Amex carries standing jeweller tie-ups (Kalyan 35% off making on Amex vs 25% on Visa).
A ₹2L jewellery purchase: 25% off ₹30k making (₹7,500) + ₹2,500 instant discount + ₹6,600 Infinia points ≈ ₹16,600 (8%+) vs walking in on a random Tuesday.