Is it worth to hai HDFC Tata Neu Infinity FYF

[Shubham330Shubham330 is verified member.]

Hi Team,

Advance sorry for long explanation.

I applied for TATA NEU infinity rupay from hdfc website but application got rejected as my older application was <6 month.

But after 2 days Tata neu app started showing offer. While applying is said no fees. I misunderstood it as LTF due to hdfc year end offer. But turned out its FYF. No fees for first year*

HDFC issued the card on today's date i. e. 28th Dec 2024 but its FYF.

From past experiences grievance team will not make it LTF for sure.

So my question is , is it worth to keep that card active by paying 1499+ GST

I am mostly looking this card for UPI and Occasional tata brand Shopping such as Tanishq, Croma, Bigbasket.

I am not regular User of bigbasket or star bazar but Occasionally I use these brand so considering it will be around 10-30k for year if not made any big electronic purchase.
And on UPI it will hardly cross 20K for year.
Making it total of 40-50k spend for year + if any electronic item purchased from croma..

Will i be able to extract my annual fee with this usage

 

[DarthBrooks]

I would suggest hold for 8-9 months then request for conversion to LTF, in my case they didn't come through but everyone has different cases, maybe they will approve yours, the card's good for TATA Services, you could hold onto it for sometime.

 

[anujdit]

Check your total spend on Amazon pay, tata websites and then evaluate accordingly.
You can get 5% on Amazon pay and shopping vouchers, which you can use for shopping from amazon

 

[Shubham330Shubham330 is verified member.]

I would suggest hold for 8-9 months then request for conversion to LTF, in my case they didn't come through but everyone has different cases, maybe they will approve yours, the card's good for TATA Services, you could hold onto it for sometime.

Yes. Will try to hold for around 11 month. If got converted to LTF then good. But will it be still good if not converted to LTF. Shall I continue or close it?

 

[DarthBrooks]

Yes. Will try to hold for around 11 month. If got converted to LTF then good. But will it be still good if not converted to LTF. Shall I continue or close it?

For 1500 fee it's not that worth, since you mentioned that your UPI spends would be less too, and now they have attached strings to TATA Neu App for UPI, it's much more inconvenient, plus they have been running LTF offers time to time, if they don't convert to LTF and u need to close, you can still apply sometime when LTF offers are ongoing.

 

[drsel]

Not worth paying for it

 

[Aegon]

I feel the best UPI credit card right now isn't Tata Neu cards, rather IndusInd plat RuPay or Kiwi cards.

Firstly to get 1.5% cb you need to use Neu app to make to UPI transactions, which has a poor interface and is a tortoise speed app.
Its so much easier to use gpay/phonepe or any other app to make UPI payments.

IndusInd RuPay gives 1.2% (after deval, before 1.9%) on non-cash redemptions.
Tips for non-cash (TWID on Jio app/myntra etc)
Kiwi gives much higher returns if spnds are higher.

I would compromise for 0.3% to 0.5% cashback, for not to use Tata Neu app for UPI payments which takes lot of time to open and usually requires a faster internet which isn't available sometimes on mobile data.

I have used both Neu Infinity and Indus plat RuPay, i prefer indusind over neu cards.
Unless they convert your card into LTF, consider closing the card and moving on.
Definitely not worth it if you don't spend on tata brands

 

[Shubham330Shubham330 is verified member.]

For 1500 fee it's not that worth, since you mentioned that your UPI spends would be less too, and now they have attached strings to TATA Neu App for UPI, it's much more inconvenient, plus they have been running LTF offers time to time, if they don't convert to LTF and u need to close, you can still apply sometime when LTF offers are ongoing.

Thanks. Will do this

 

[Shubham330Shubham330 is verified member.]

Surprisingly my another application also got approved today which i applied through HDFC Digital Journey.

Now have two Tata Neu Infinity Rupay Cards.
One FYF and one LTf

Dropping mail to grievance team to confirm which is LTF so that will close non-LTF

 

[PrinceHeart]

Just received my 1st rupay cc - the Tata Neu Infinity.

Its on FYF basis. I have not activated it yet. I clicked on a fb ad of tata app, it says 12 complimentary lounge access. Got this cc in hand in under 10days.

Emailed customer support, to make it ltf, got denied. Escalated it - got denied again quoting terms.

Now the main question, should i keep it ?

I only got this cc to get upi transaction cb of 1.5%. But now I read the tata app is slow, etc etc. And I dont have big basket in my city and I dont really buy electronics every month.

So use this cc for 11 months, make neu points, do bill payments and close it before 2nd year.

Or close this cc now, cause tata neu app is messy. And continue with gpay, and forget that 1.5% cb. Wo bas ek sapna hi tha.

Btw, applied for kiwi, got denied in 10 seconds, cause i had a yes cc before. After 1 month, i asked kiwi staff to consider me reapply. Waiting for their reply.

Got kiwi acc, got free kiwi neon for 1 yr already. Not activated any upi yet. Waiting for kiwi cc reply.

 

[Aegon]

Just received my 1st rupay cc - the Tata Neu Infinity.

Its on FYF basis. I have not activated it yet. I clicked on a fb ad of tata app, it says 12 complimentary lounge access. Got this cc in hand in under 10days.

Emailed customer support, to make it ltf, got denied. Escalated it - got denied again quoting terms.

Now the main question, should i keep it ?

I only got this cc to get upi transaction cb of 1.5%. But now I read the tata app is slow, etc etc. And I dont have big basket in my city and I dont really buy electronics every month.

So use this cc for 11 months, make neu points, do bill payments and close it before 2nd year.

Or close this cc now, cause tata neu app is messy. And continue with gpay, and forget that 1.5% cb. Wo bas ek sapna hi tha.

Btw, applied for kiwi, got denied in 10 seconds, cause i had a yes cc before. After 1 month, i asked kiwi staff to consider me reapply. Waiting for their reply.

Got kiwi acc, got free kiwi neon for 1 yr already. Not activated any upi yet. Waiting for kiwi cc reply.

Use it for 1st year and pray Neu app gets better