Query regarding Tata Neu Infinity HDFC credit card

LTF?

legend101 wrote:
You will get the coins only if you paid the fee, no coins if you got first year free. You will also have to link the credit card yourself if it hasn't automatically. You can do so by logging into net banking>cards>credit card>requests>register new card, and fill the card details there.

10ven wrote:

LTF?

Yes.

notion wrote:

Yes.

Same for me. I thought it was LTF but in card details in Neu app, shows joining fee of 1.5k (1.5k Neu coins on spending within 30 days) and Annual fee of 1.5k.

Took one day for the card to be displayed in HDFC and another 1-2 days before the limit was updated/merged with old card.

notion wrote:
Okay. Thanks for the quick reply. My card was LTF hence I assume no neu coins will be credited. That's completely fine then.


I will try to add the card.

Aam ke aam, gutliyon ke daam

T: LTF also, welcome benefits also

(for fun)

quantum wrote:

Aam ke aam, gutliyon ke daam

T: LTF also, welcome benefits also

(for fun)

notion wrote:
That's the expectation if you are in DD for a long time .

NEUbie 😌

cashif wrote:

Same for me. I thought it was LTF but in card details in Neu app, shows joining fee of 1.5k (1.5k Neu coins on spending within 30 days) and Annual fee of 1.5k.

Took one day for the card to be displayed in HDFC and another 1-2 days before the limit was updated/merged with old card.

It took one day to display in HDFC since being delivered or 1st time used or approval/display in neu app ?

notion wrote:

It took one day to display in HDFC since being delivered or 1st time used or approval/display in neu app ?

TimeLine.

eKYC- Saturday

Card Approval- Thursday after physical house verification on Monday

Virtual Card generated- Friday (For some reason, was not able to see in Android but was able to find it out in Ipad)

Card Delivery - Saturday and by evening, my balance had been merged with existing card.

Used the card on Sunday but got mail that I have overdrawn by 28k (Had used card for 33k) but by evening, it was adjusted against old balance.

cashif wrote:

TimeLine.

eKYC- Saturday

Card Approval- Thursday after physical house verification on Monday

Virtual Card generated- Friday (For some reason, was not able to see in Android but was able to find it out in Ipad)

Card Delivery - Saturday and by evening, my balance had been merged with existing card.

Used the card on Sunday but got mail that I have overdrawn by 28k (Had used card for 33k) but by evening, it was adjusted against old balance.

Thanks for the info. Appreciated

Jab Tak hai vasool karlo

Ye card bhi devalue karege

cashif wrote:

TimeLine.

eKYC- Saturday

Card Approval- Thursday after physical house verification on Monday

Virtual Card generated- Friday (For some reason, was not able to see in Android but was able to find it out in Ipad)

Card Delivery - Saturday and by evening, my balance had been merged with existing card.

Used the card on Sunday but got mail that I have overdrawn by 28k (Had used card for 33k) but by evening, it was adjusted against old balance.

Where are you using this card for such large txns like 33k spend? I hope it is not for bill payments/mobile phone purchases because it seems New card linked acc has high chances of blocking if earning/accumulating more than 2k coins.

guest_999 wrote:

Where are you using this card for such large txns like 33k spend? I hope it is not for bill payments/mobile phone purchases because it seems New card linked acc has high chances of blocking if earning/accumulating more than 2k coins.

cashif wrote:
Yep for EB payment. Have been paying nearly 3L monthly in Neu app for past 6 months with other cards, so paid the least amount with this card.

Don't risk it, if start paying such large bills every month via neu card then high chances of neu card linked acc closure & once that linked acc is cancelled/closed then no way to use the earned neu coins even if card remains active because neu coins come only to the acc linked to neu card & it can't be changed.

Keep using your IDFC card or better just open a 1 lakh FD every 3 months with 1 year duration at 7.5% interest rate in equitas/ujjivan bank & keep paying the bills from IDFC card while paying cc bill using bank acc & matured/quarterly payouts from those FDs.

guest_999 wrote:

Don't risk it, if start paying such large bills every month via neu card then high chances of neu card linked acc closure & once that linked acc is cancelled/closed then no way to use the earned neu coins even if card remains active because neu coins come only to the acc linked to neu card & it can't be changed.

Keep using your IDFC card or better just open a 1 lakh FD every 3 months with 1 year duration at 7.5% interest rate in equitas/ujjivan bank & keep paying the bills from IDFC card while paying cc bill using bank acc & matured/quarterly payouts from those FDs.

EB is the reason I applied for the card but have seen few of the threads about banning of accounts and is the reason I paid the lowest EB amount with this card.

Have 4 EB accounts wherein I pay the maximum amount with IDFC and then another 2 with HDFC moneyback (lowest reward but reliable billdesk - main reason for opting this Neu card) and another with Ace, which had low limit.  Have increased limit of Ace to 1.5 Lacs but don't want to misuse  Ace as IMO, is the best card.

BTW what is the cashback/payout percentage- 5% upto 2k coins?

cashif wrote:

EB is the reason I applied for the card but have seen few of the threads about banning of accounts and is the reason I paid the lowest EB amount with this card.

Have 4 EB accounts wherein I pay the maximum amount with IDFC and then another 2 with HDFC moneyback (lowest reward but reliable billdesk - main reason for opting this Neu card) and another with Ace, which had low limit.  Have increased limit of Ace to 1.5 Lacs but don't want to misuse  Ace as IMO, is the best card.

BTW what is the cashback/payout percentage- 5% upto 2k coins?

bikidas2060 wrote:
36 lakhs EB will be considered as commercial usage of cards. No??? 

cashif wrote:

EB is the reason I applied for the card but have seen few of the threads about banning of accounts and is the reason I paid the lowest EB amount with this card.

Have 4 EB accounts wherein I pay the maximum amount with IDFC and then another 2 with HDFC moneyback (lowest reward but reliable billdesk - main reason for opting this Neu card) and another with Ace, which had low limit.  Have increased limit of Ace to 1.5 Lacs but don't want to misuse  Ace as IMO, is the best card.

BTW what is the cashback/payout percentage- 5% upto 2k coins?

https://www.hdfcbank.com/content/bbp/repositori...

Bill payments come under tata pay category so max 50k per month eligible for 5% cb category. Also, it seems axis/google pay has placed a limit on max electricity bill payment which can be paid on google pay(my guess is limit around 15-20k).

bikidas2060 wrote:
36 lakhs EB will be considered as commercial usage of cards. No??? 

today applied for card through app. showing joining and annual fee 0

dhinchakrohit wrote:
Biki bhai whats EB?

Electricity Bill I guess.

What is statement date for hdfc tata neu infinity cc?

Confusion

Do we get additional 5% on bill pay from infinity card apart from regular 5% neu coins ?

So like 10% neu coins back if paid through infinity card on Tata neu app.

Really confused.

@guest_999

Xhaster wrote:

Confusion

Do we get additional 5% on bill pay from infinity card apart from regular 5% neu coins ?

So like 10% neu coins back if paid through infinity card on Tata neu app.

Really confused.

@guest_999

notion wrote:
I guess only 5% neu coins as cashback. Not 10%. 

Xhaster wrote:

Confusion

Do we get additional 5% on bill pay from infinity card apart from regular 5% neu coins ?

So like 10% neu coins back if paid through infinity card on Tata neu app.

Really confused.

@guest_999

guest_999 wrote:
@cashif