The Tata Neu Infinity Credit Card offers exclusive rewards, travel perks, and lifestyle benefits with easy redemption via the Tata Neu app for seamless experiences.
Table of Contents
Introduction
The Tata Neu Infinity Credit Card is a premium offering from the collaboration between Tata Neu and HDFC Bank, designed to provide exclusive rewards and benefits to its cardholders. With a focus on delivering a seamless and luxurious experience for shopping, dining, travel, and more, the Tata Neu Infinity Credit Card is a perfect choice for individuals who want to make the most of their purchases while earning attractive rewards. The card stands out for its strong ties to the Tata Neu ecosystem, offering benefits across Tata Group services, and a range of valuable features tailored for high spenders and frequent travelers.
Top Features of the Tata Neu Infinity Credit Card
The Tata Neu Infinity Credit Card comes with a host of premium features designed to offer exclusive rewards, benefits, and conveniences to its cardholders.
Tata Neu Ecosystem Benefits
Cardholders enjoy exclusive access to a wide range of benefits within the Tata Neu ecosystem, including discounts and offers on Tata Group services, such as Tata Play, Croma, BigBasket, and Tata Cliq. You can also earn accelerated reward points when you shop on Tata’s digital platforms like Tata Cliq, BigBasket, or make payments via Tata Pay.
Earn 5X Reward Points
For every ₹100 spent on Tata Neu partners, cardholders earn 5X reward points, making it an excellent option for those who frequently shop with Tata brands. You also earn 3X reward points for purchases made on dining, shopping, travel, and other categories.
Complimentary Lounge Access
Get complimentary access to over 1,000 airport lounges worldwide through Visa Lounge Access and Priority Pass, offering you a comfortable waiting experience before flights.
Welcome Benefits
New cardholders enjoy welcome benefits such as bonus reward points, discounts on Tata brands, and special offers to kick-start the credit card experience.
Reward Points Redemption
Reward points can be redeemed across the Tata Neu app for a variety of services, including Tata Cliq vouchers, BigBasket, Croma, and much more, providing excellent value for your everyday purchases.
Travel and Insurance Benefits
Enjoy travel-related insurance coverage, including travel accident insurance, trip cancellation coverage, and lost baggage protection, ensuring peace of mind while traveling. The card is accepted globally, making it perfect for international use.
Zero Liability on Fraudulent Transactions
With the Tata Neu Infinity Credit Card, you are protected against any unauthorized transactions, offering you peace of mind in case of theft or fraud.
Exclusive Dining and Shopping Discounts
Cardholders enjoy discounts at premium dining outlets and partner restaurants across the country, allowing them to enjoy exquisite meals at a fraction of the cost. You also receive special discounts and offers at partner brands within the Tata Group.
Fuel Surcharge Waiver
Enjoy a fuel surcharge waiver of up to ₹100 per month at fuel stations across India, helping you save on fuel expenses.
Easy EMI Conversion
Convert high-value purchases into easy EMIs at attractive interest rates, making it easier to manage your expenses and pay in installments over time.
Rewards and Points Program
The Tata Neu Infinity Credit Card offers a compelling rewards and points program that allows cardholders to maximize their spending and earn valuable rewards. Whether you’re shopping, dining, or traveling, the rewards program ensures that you earn points for nearly every transaction, which can later be redeemed for various benefits across the Tata Neu ecosystem.
Earn 5X Reward Points
Cardholders can earn 5X reward points on every ₹100 spent on Tata Neu partner brands and services. This includes shopping at Tata Cliq, Croma, BigBasket, and using other services like Tata Play or Tata Pay. This makes the card ideal for those who frequently shop within the Tata ecosystem.
Earn 3X Reward Points
In addition to the 5X points on Tata Neu partners, cardholders can also earn 3X reward points on purchases made in categories such as dining, travel, and online shopping. This encourages cardholders to use their Tata Neu Infinity Credit Card for everyday expenses as well.
Bonus Reward Points
New cardholders are often offered bonus reward points as part of their welcome benefits. These bonus points can significantly boost your rewards balance right from the start and can be redeemed for a variety of rewards within the Tata Neu app.
Points Redemption
The reward points earned can be redeemed in multiple ways:
- Tata Neu App: Use points to shop on platforms like Tata Cliq, Croma, BigBasket, and more.
- Vouchers: Redeem points for vouchers that can be used for travel bookings, electronics, groceries, and lifestyle products.
- Cashback: Points can also be converted into cashback that can be credited to the credit card account.
- Partner Loyalty Programs: Points can be transferred to airline miles or hotel loyalty programs for additional travel benefits.
Expiry of Reward Points
The reward points accumulated in your Tata Neu Infinity Credit Card account have a validity period. It is important to redeem your points before they expire to fully take advantage of the program.
Accelerated Rewards for Frequent Shoppers
The Tata Neu Infinity Credit Card encourages frequent shopping within the Tata ecosystem by offering accelerated points. This makes it an ideal choice for those who already use Tata services, allowing them to earn more points on every purchase.
Special Tata Neu Ecosystem Benefits
The Tata Neu Infinity Credit Card provides unique and exclusive benefits for cardholders within the Tata Neu ecosystem. These benefits make the card highly attractive for customers who frequently shop or use services from various Tata Group brands. Here’s a closer look at some of the key benefits:
Exclusive Discounts and Offers on Tata Group Services
Cardholders enjoy exclusive discounts and special offers on a wide array of services and products offered by Tata Group companies. This includes brands like:
- Tata Cliq: Get access to special discounts and promotions on fashion, electronics, and home essentials through Tata Cliq.
- BigBasket: Enjoy savings on groceries and home essentials when shopping through BigBasket, one of India’s largest online grocery platforms.
- Croma: Get special deals and offers on electronics and appliances, making it easier to upgrade your gadgets.
- Tata Play: Avail discounts or promotions on Tata Play services, whether you’re looking for new connections or upgrading existing ones.
Earn Accelerated Reward Points Across Tata Platforms
The Tata Neu Infinity Credit Card offers accelerated reward points for spending on Tata platforms. You earn 5X reward points for every ₹100 spent on Tata Neu partners, ensuring that every purchase across the Tata ecosystem brings additional rewards. Whether it’s shopping on Tata Cliq, ordering groceries on BigBasket, or booking services through Tata Play, your spending will earn more points within the Tata family.
Exclusive Access to Tata Neu App
Cardholders have special privileges within the Tata Neu app, a super app that brings together a variety of Tata Group services. From shopping to travel bookings, the app consolidates many of Tata’s offerings into one easy-to-use platform. With the Tata Neu Infinity Credit Card, you can unlock additional rewards and benefits within the app, including:
- Special promotions on various Tata brands.
- Exclusive member-only deals that are not available to the general public.
Tata Group Loyalty and Partner Benefits
As part of the Tata Neu ecosystem, cardholders may enjoy loyalty benefits not just with Tata brands but also with partner merchants that are part of the Tata Neu program. These partnerships allow cardholders to earn bonus points or avail additional discounts on services like hotels, airlines, and more.
Access to Tata Privileges Program
The Tata Neu Infinity Credit Card provides Tata Privileges to its users. This means cardholders can unlock premium services and enjoy benefits such as priority customer service, exclusive events, or early access to sales, ensuring an elevated shopping experience with Tata brands.
Seamless Integration with Tata Pay
Tata Pay is another benefit of the Tata Neu Infinity Credit Card. Tata Pay allows you to make payments across multiple platforms, integrating seamlessly with your Tata Neu card. This gives you access to digital payments, rewards points accumulation, and other Tata Group services.
Travel and Lifestyle Perks of the Tata Neu Infinity Credit Card
The Tata Neu Infinity Credit Card offers a range of premium travel and lifestyle perks that enhance your overall experience, whether you’re traveling for business or leisure or enjoying a lifestyle of luxury. Here’s a look at the key travel and lifestyle benefits you can enjoy with the Tata Neu Infinity Credit Card:
Complimentary Airport Lounge Access
Cardholders of the Tata Neu Infinity Credit Card enjoy complimentary access to over 1,000 airport lounges worldwide. This includes access to Visa Lounge Access and Priority Pass lounges, ensuring a comfortable and relaxing experience before your flights. Whether you’re at an international or domestic airport, you can enjoy a quiet space to unwind, free snacks, drinks, Wi-Fi, and more.
Travel Insurance Coverage
The card provides comprehensive travel insurance coverage, which includes protection against unexpected travel mishaps such as:
- Travel accident insurance: Provides financial coverage in the event of accidental injuries or death during travel.
- Trip cancellation insurance: Offers protection for your prepaid travel expenses if you need to cancel your trip due to unforeseen events.
- Lost baggage insurance: Reimbursement for lost or delayed baggage, ensuring you don’t face financial loss in case your luggage is delayed or lost by the airline.
Global Acceptance
The Tata Neu Infinity Credit Card is widely accepted across the globe, thanks to its Visa or Mastercard network. Whether you’re traveling abroad or shopping internationally, your card provides you with the convenience of making seamless payments in multiple currencies. The card also comes with the contactless payment feature, allowing you to make quick and secure payments in countries that support this technology.
Special Travel Offers
As a Tata Neu Infinity Credit Cardholder, you can access exclusive travel-related offers from Tata Group brands and their partners. These include:
- Discounted rates on hotel bookings via Tata Travel or other Tata travel partners.
- Special deals on car rentals and travel experiences.
- Exclusive offers on flights, with discounts or extra perks when booking through Tata’s travel services.
Discounts on Dining and Lifestyle Experiences
Enjoy exclusive discounts and offers at premium dining outlets and luxury brands, both within the Tata Group and through partnerships. The card provides discounts on dining experiences at high-end restaurants, giving you access to a premium lifestyle with every meal. Additionally, you can enjoy discounts and promotions on lifestyle services, including spas, health clubs, and other luxury experiences.
Fuel Surcharge Waiver
Cardholders also receive a fuel surcharge waiver at fuel stations across India, helping you save on fuel costs. This benefit is available up to a specific limit per month, making it ideal for those who travel frequently by car.
Easy EMI Conversion for Travel Expenses
For larger travel-related purchases, such as flight tickets, hotel bookings, or travel packages, the Tata Neu Infinity Credit Card offers the option to convert your expenses into easy EMIs at attractive interest rates. This helps you manage large expenses without affecting your monthly budget.
Concierge Service
The Tata Neu Infinity Credit Card offers premium concierge services, providing cardholders with personal assistance for travel arrangements, event bookings, restaurant reservations, and more. Whether you need help organizing a trip or booking tickets to an exclusive event, the concierge service is available to meet your needs.
Luxury Lifestyle Privileges
As a part of its exclusive perks, the card offers access to luxury lifestyle experiences, including curated shopping experiences, special access to premium events, and invitations to exclusive VIP events organized by Tata or their partners.
How to Earn Reward Points with Tata Neu Infinity Credit Card
The Tata Neu Infinity Credit Card offers an attractive and rewarding points system, making it an ideal choice for frequent shoppers, travelers, and loyal customers of Tata Group brands. Here’s how you can earn reward points with this premium credit card:
Earn 5X Reward Points on Tata Neu Partners
Cardholders can earn 5X reward points on every ₹100 spent with Tata Neu ecosystem partners, which includes a wide range of Tata Group services such as:
- Tata Cliq (fashion, electronics, and more)
- Croma (electronics and home appliances)
- BigBasket (groceries and household items)
- Tata Play (DTH and broadband services)
- Tata Pay (payments through Tata’s digital wallet)
This makes the card perfect for individuals who frequently shop at Tata Group brands or use their services, as it maximizes points accumulation within the Tata ecosystem.
Earn 3X Reward Points on Everyday Purchases
The card allows you to earn 3X reward points on purchases made in categories such as:
- Dining: Enjoy points for dining out at partner restaurants and eateries.
- Travel: Earn points on travel-related expenses like flights, hotel bookings, and more.
- Online Shopping: Spend on e-commerce platforms (outside of Tata Neu partners) and accumulate points.
- Fuel: Earn points on fuel purchases at designated fuel stations.
This category-based rewards system ensures that you accumulate points for a wide variety of everyday purchases.
Bonus Points for Special Offers
As part of its rewards program, the Tata Neu Infinity Credit Card may offer bonus points for special promotions, such as:
- Welcome bonuses when you first get the card.
- Seasonal promotions where spending within certain categories or on specific dates may earn you additional points.
Be sure to check for periodic offers or campaigns where you can earn extra points.
Earn Points on Subscription Services
Using your Tata Neu Infinity Credit Card for subscription services like Tata Sky or Tata Play also allows you to earn reward points. This is particularly useful for customers who use Tata’s digital entertainment services regularly.
Points for Utility Bill Payments
Some utility payments, such as electricity, mobile phone bills, or internet services, may also qualify for earning reward points. While the specifics can vary, many users are eligible to earn points when paying bills through Tata Pay or any other accepted platform.
Earn Points for Foreign Transactions
When you use the card for international purchases, you can still earn reward points. This is particularly beneficial for frequent travelers, as foreign transactions can contribute to a higher point balance over time.
Referral Program (If Applicable)
The Tata Neu Infinity Credit Card may also have a referral program that allows you to earn bonus points for referring friends and family who sign up for the card. These bonuses are added to your points balance when your referral is approved.
Reward Points for Regular Use
Simply using your Tata Neu Infinity Credit Card for everyday expenses ensures that you accumulate reward points continuously. The more you use the card, the more points you earn, which can later be redeemed for exciting rewards and offers.
Redeeming Reward Points on Tata Neu Infinity Credit Card
The Tata Neu Infinity Credit Card provides a variety of ways to redeem the reward points you earn through your purchases. These points can be exchanged for a range of exciting benefits, offering great value to cardholders who frequently use their card for shopping, travel, and everyday expenses. Here’s how you can redeem your reward points on the Tata Neu platform:
Redeem Points for Tata Neu Vouchers
One of the most popular ways to redeem your reward points is by converting them into Tata Neu Vouchers. These vouchers can be used across a variety of Tata Group platforms, such as:
- Tata Cliq: Redeem points for discounts on fashion, electronics, and home essentials.
- BigBasket: Use vouchers for savings on groceries and household items.
- Croma: Apply vouchers for discounts on electronics and home appliances.
- Tata Play: Enjoy offers on Tata Play services, including DTH recharge, broadband plans, and more.
Use Points for Cashback
You can also redeem your reward points for cashback, which will be credited to your Tata Neu Infinity Credit Card account. This provides flexibility as you can use the cashback for any purpose, whether it’s to reduce your card balance or to fund future purchases.
Transfer Points to Partner Loyalty Programs
Reward points accumulated on your Tata Neu Infinity Credit Card can also be transferred to partner loyalty programs. For example, you can convert points into frequent flyer miles for airlines or into hotel loyalty points. This is especially valuable for frequent travelers, as you can enhance your travel benefits with points that go toward flight upgrades, hotel stays, or special amenities.
Redeem Points for Travel Rewards
You can redeem your points for various travel-related rewards, such as:
- Airline miles: Transfer your points to participating airline programs and use them for flight bookings or upgrades.
- Hotel stays: Use points to book hotels or claim discounts on travel packages available through Tata’s travel partners.
Exclusive Deals and Promotions
Tata Neu Infinity Credit Cardholders are sometimes offered exclusive limited-time promotions where points can be redeemed for special deals, discounts, or even higher-value vouchers. These promotions are typically available within the Tata Neu app, where you can keep track of available offers and make timely use of your points.
Gift Cards from Tata Partners
Another convenient redemption option is exchanging your reward points for gift cards from various Tata Group and partner merchants. These gift cards can be used for purchases across different categories, such as fashion, electronics, groceries, and more. Some examples include:
- Croma Gift Card for electronics
- Tata Cliq Gift Card for online shopping
- BigBasket Gift Card for grocery shopping
Charity Donations
For those who wish to give back, the Tata Neu Infinity Credit Card allows you to donate your points to charity. Points can be redeemed for donations to Tata Foundation and other partnered charitable organizations, allowing you to contribute to social causes and make a difference.
Tata Neu App Redemption
The Tata Neu app serves as the central platform for managing your points and redeeming them for various rewards. The app provides a user-friendly interface where you can:
- Track your earned points
- Browse available redemption options
- Redeem points for vouchers, cashback, or other perks
- Access exclusive offers and promotions
Fee Structure and Charges for Tata Neu Infinity Credit Card
The Tata Neu Infinity Credit Card comes with a range of benefits, but like any credit card, it also has a fee structure that cardholders should be aware of. Below is an overview of the typical fees and charges associated with the card:
Annual Fee
- The annual fee for the Tata Neu Infinity Credit Card is typically charged every year after the first year. The exact fee may vary depending on any offers or promotions, but it is generally in the range of ₹1,500 to ₹2,500.
- Waiver of Annual Fee: Some cardholders may be eligible for a waiver of the annual fee in the first year or if they meet a specific spending requirement during the year.
Joining Fee
- The joining fee is applicable at the time of acquiring the card. This can vary based on promotions and offers, and in some cases, may be waived for new customers under certain conditions.
- The joining fee is generally in the range of ₹1,000 to ₹2,000.
Interest Rates
- Interest rate on outstanding balances is typically 3.5% to 3.9% per month, which translates to an annual percentage rate (APR) of 42% to 46%.
- It’s important to clear your balance in full every month to avoid interest charges.
Late Payment Fee
- A late payment fee is charged if the minimum payment is not made by the due date. The fee usually ranges from ₹300 to ₹1,100, depending on the outstanding balance.
Cash Advance Fee
- If you use your credit card to withdraw cash, a cash advance fee is applied. This fee is typically around 2.5% to 3% of the withdrawn amount, with a minimum fee of about ₹300.
- Additionally, interest on cash advances is charged from the day the cash is withdrawn, without any grace period.
Foreign Transaction Fee
- For international purchases, the foreign transaction fee is usually 3% to 4% of the transaction amount, which is applicable to purchases made outside India.
Overlimit Fee
- If your credit limit is exceeded, an overlimit fee of around ₹500 to ₹600 may be applied.
Rewards Redemption Fee
- While many reward redemptions are free, certain premium redemptions or transfers to partner programs (e.g., airline miles) may attract a nominal fee, depending on the terms and conditions of the card issuer.
Replacement Card Fee
- If your card is lost, stolen, or damaged, a replacement card fee is typically around ₹500 to ₹600.
Duplicate Statement Fee
- If you request a duplicate statement for any previous month, a fee of around ₹100 to ₹150 may apply.
Other Charges
- EMI Conversion Charges: If you choose to convert large purchases into EMIs, processing charges typically range between 1.5% to 2.5% of the purchase amount.
- SMS Alert Charges: Some credit card issuers charge a small fee for SMS alerts, although many cards include this service for free.
Forex Markup Fee
- A forex markup fee is applied on purchases made in foreign currencies. This is typically 3% to 4% of the transaction amount, in addition to the foreign transaction fee.
Eligibility Criteria for Tata Neu Infinity Credit Card
The Tata Neu Infinity Credit Card offers a variety of benefits and rewards, but to qualify for this premium card, you need to meet certain eligibility criteria. Here’s an overview of the key requirements to apply for the card:
Age Criteria
- Minimum Age: You must be at least 21 years old at the time of application.
- Maximum Age: The maximum age limit for the cardholder is generally 60 years, although this can vary depending on the issuer’s policies.
Income Criteria
- Salaried Individuals: Applicants should have a minimum monthly income of approximately ₹40,000 to ₹50,000 or higher. This ensures that the individual has a stable income to handle credit card payments.
- Self-employed Individuals: Self-employed applicants should have a stable annual income, typically in the range of ₹6 to ₹8 lakh or more. This is to ensure that they have the financial capacity to meet repayment obligations.
Credit Score
- Minimum Credit Score: A good credit score is essential to getting approved for the Tata Neu Infinity Credit Card. The typical requirement is a credit score of 750 or higher. A higher score improves your chances of approval and may also help you secure better terms on the card.
- The credit score is an indicator of your creditworthiness, and a higher score suggests that you have a track record of responsible credit use.
Residency Status
- Applicants must be Indian residents. The Tata Neu Infinity Credit Card is primarily available to residents of India, though some issuers may allow Non-Resident Indians (NRIs) to apply.
Employment Status
- Salaried Employees: Individuals employed with reputed organizations in the public or private sector, or multinational companies, are usually eligible.
- Self-employed Individuals: Business owners, freelancers, or professionals (such as doctors, chartered accountants, and consultants) with a stable income and established financial track record are eligible.
Existing Relationship with Tata Group
- While not always mandatory, having an existing relationship with Tata Group or being a customer of Tata services like Tata Play, Tata Cliq, or Croma can improve your chances of approval.
Other Conditions
- No history of payment defaults: Applicants with a history of defaults or outstanding loans are less likely to be approved for the card.
- Valid Documents: You must submit all required documents, including proof of identity, address, income, and credit history, as part of the application process.
Conclusion
The Tata Neu Infinity Credit Card is a premium card designed for individuals who want to make the most of their shopping, travel, and lifestyle experiences. With a wide range of rewards, exclusive Tata Group benefits, and valuable travel perks, it offers excellent value for those who frequently engage with Tata brands and services. The ability to earn and redeem points across various Tata platforms, along with access to exclusive deals, makes it a compelling choice for loyal customers.
Its attractive features, including the easy-to-use Tata Neu app, cashback options, and diverse redemption choices, ensure cardholders can make the most of their purchases. However, like any credit card, it’s important to manage spending and be mindful of the fee structure and interest rates.
Overall, if you meet the eligibility criteria and frequently shop or use services within the Tata ecosystem, the Tata Neu Infinity Credit Card is an excellent option for enhancing your shopping experience, earning rewards, and enjoying a host of benefits.
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FAQs About Tata Neu Infinity Credit Card
What are the main benefits of the Tata Neu Infinity Credit Card?
The Tata Neu Infinity Credit Card offers a wide range of benefits, including reward points on every purchase, exclusive access to Tata Group services like Tata Cliq, BigBasket, Croma, and Tata Play, along with special travel perks and lifestyle discounts. Cardholders can earn points and redeem them for vouchers, cashback, and travel rewards.
How do I earn reward points with the Tata Neu Infinity Credit Card?
You can earn reward points on every purchase made using the card. Points are earned for transactions across categories like shopping, dining, travel, and more. The card offers bonus points for spending within the Tata ecosystem (Tata Cliq, BigBasket, Croma, etc.).
How can I redeem my reward points on the Tata Neu Infinity Credit Card?
You can redeem your points through the Tata Neu app for Tata Neu vouchers, cashback, gift cards, or travel rewards like airline miles and hotel stays. The points can also be converted to loyalty points with partner brands for even more flexibility.
Is there an annual fee for the Tata Neu Infinity Credit Card?
Yes, the annual fee for the Tata Neu Infinity Credit Card typically ranges from ₹1,500 to ₹2,500. In some cases, this fee can be waived based on spending requirements or special offers.
What is the eligibility criteria for applying for the Tata Neu Infinity Credit Card?
To be eligible for the Tata Neu Infinity Credit Card, applicants must be at least 21 years old and have a good credit score (around 750+). They should have a minimum monthly income of ₹40,000 to ₹50,000 (for salaried individuals) or an annual income of ₹6-8 lakh (for self-employed individuals). Proof of identity, address, and income is required.
How is the reward points redemption process handled?
Reward points can be redeemed through the Tata Neu app. The app allows cardholders to browse available redemption options, including vouchers, cashback, and travel rewards. You can also track your points and check for any ongoing exclusive offers and promotions within the app.
What is the interest rate on the Tata Neu Infinity Credit Card?
The interest rate on the Tata Neu Infinity Credit Card is typically around 3.5% to 3.9% per month, which equals 42% to 46% annually. It’s important to pay the balance in full each month to avoid interest charges.
Are there any foreign transaction fees on the Tata Neu Infinity Credit Card?
Yes, a foreign transaction fee is charged on purchases made in foreign currencies. This fee is typically 3% to 4% of the transaction amount, in addition to the regular fees for international purchases.
Can I transfer reward points to frequent flyer programs or hotel loyalty programs?
Yes, you can transfer your reward points to frequent flyer miles or hotel loyalty programs with participating partners. This is particularly beneficial for frequent travelers looking to enhance their travel experience with flights or hotel stays.
What is the process for applying for the Tata Neu Infinity Credit Card?
You can apply for the Tata Neu Infinity Credit Card online through the Tata Neu website or via the Tata Neu app. Alternatively, you can visit a branch of the card issuer to complete the application. You will need to submit documents such as identity proof, address proof, income proof, and a credit report.
Are there any rewards for using the card within the Tata ecosystem?
Yes, cardholders earn additional reward points when shopping or using services within the Tata ecosystem, such as Tata Cliq, BigBasket, Croma, Tata Play, and more. This makes the card particularly valuable for loyal Tata Group customers.
Can I track my reward points and transactions on the Tata Neu Infinity Credit Card?
Yes, you can track all your reward points and transactions via the Tata Neu app. The app offers a user-friendly interface where you can see your spending history, points balance, redemption options, and more.
What should I do if my Tata Neu Infinity Credit Card is lost or stolen?
If your card is lost or stolen, immediately contact the card issuer’s customer service to report the issue and block your card. You will be issued a replacement card, and any fraudulent transactions can be addressed by the bank as per their policies.
Are there any additional charges or fees on the Tata Neu Infinity Credit Card?
Yes, there may be additional fees such as late payment fees, cash advance fees, and EMI conversion charges. These fees vary based on the type of transaction and outstanding balance on the card. Always check the latest fee structure for details.
What is the reward structure for the Tata Neu Infinity Credit Card?
The reward structure offers cardholders Tata Neu points on every purchase. You earn more points on transactions made within the Tata ecosystem (Tata Cliq, BigBasket, Croma, Tata Play, etc.) and for specific spending categories such as dining and travel. Points can be redeemed for various rewards, including cashback, vouchers, and travel benefits.
Does the Tata Neu Infinity Credit Card offer any welcome benefits?
Yes, upon approval, the Tata Neu Infinity Credit Card often comes with welcome benefits such as bonus reward points, exclusive discounts, or coupons to use across Tata Group services. These welcome offers can vary based on promotional periods and the card issuer’s terms.
Can I use the Tata Neu Infinity Credit Card for international transactions?
Yes, the Tata Neu Infinity Credit Card can be used for international transactions. It comes with foreign currency markup fees (typically 3%-4%), and offers benefits such as earning reward points on international purchases. However, be sure to check the latest terms for foreign usage fees.
What is the credit limit on the Tata Neu Infinity Credit Card?
The credit limit on the Tata Neu Infinity Credit Card depends on factors like your income, credit score, and spending history. Typically, premium cards like this offer a higher credit limit for eligible individuals. Your credit limit will be communicated to you upon approval.
How do I check my reward points balance?
You can check your reward points balance through the Tata Neu app or the net banking portal of your card issuer. The app provides a detailed breakdown of earned points and their redemption options.
Is the Tata Neu Infinity Credit Card contactless?
Yes, the Tata Neu Infinity Credit Card supports contactless payments, allowing you to make purchases by simply tapping the card on a payment terminal that accepts contactless technology. This offers convenience for quick and secure payments.
What happens if I miss a payment on the Tata Neu Infinity Credit Card?
If you miss a payment, you will incur late payment fees and interest charges on your outstanding balance. It’s crucial to make timely payments to avoid penalties and ensure a good credit history. If the payment is overdue for a prolonged period, your credit score may be impacted.
Can I add my Tata Neu Infinity Credit Card to a digital wallet?
Yes, you can add your Tata Neu Infinity Credit Card to popular digital wallets like Apple Pay, Google Pay, and other wallet apps for easier and faster payments. This feature enhances the convenience of using your card for both online and offline transactions.
