HDFC TATA Neu Infinity Credit Card – UPI Experience

By | February 25, 2023
HDFC TATA Neu Credit Card - UPI Experience

RBI allowed use of Credit Cards via UPI platform on 09th June 2022 starting with Rupay Credit Cards. Razorpay became the first payment gateway to support Credit Cards on UPI.

Until 14th February 2023 afternoon, only 3 banks officially allowed this via UPI viz. Punjab National Bank, Indian Bank & Union Bank of India. From 14th February TATA Neu range of Rupay Credit Cards from HDFC Bank also went LIVE on BHIM UPI.

Later on it went LIVE on TATA Neu, Freecharge & Payzapp as well within few hours. With this HDFC Bank became the first private sector bank to do so.

Here are my thoughts & experience with UPI on my HDFC TATA Neu Infinity Credit Card which I got hands-on recently.

PRO’S for Merchants

  • Average order value tend to be higher when buyers use credit cards
  • Cost of maintaining a Card swipe machine may be a thing of the past soon
  • Easier credit card payments & happier customers

PRO’S for Customers

  • No additional charges for using Credit Cards on UPI (as of now)
  • Ease of UPI with flexibility of using Credit Cards
  • Customers won’t have to use their Cash or money on A/c for day to day UPI transactions
  • No need to carry Credit Cards in wallet for payments in future, for those category of vendors who don’t accept Credit Cards
  • Earn RPs on UPI transactions as well. That too for vendors where CC acceptance is NIL e.g. Veggies/ Fruits/ Small shops etc.

Adding Credit Cards on UPI apps

Now that you have a Rupay credit card LIVE on UPI (be it TATA Neu Infinity CC or any other Rupay CC from PNB, Indian Bank, Union Bank of India & even HDFC Regalia/ TATA Neu Plus etc), here’s how you can add it to UPI apps, so you can use for UPI transactions.

  • This is the simple process on BHIM app–
  • Login into BHIM app & register if not already done.
  • Press the Retweet type looking tab on apps top center
  • On next page bottom right corner use Plus symbol as shown below in 2nd image.
  • Add the Rupay credit card by completing the verification & you are good to go

Notes on Other UPI Apps:

  1. Paytm (while Android app v10.23.0 Beta version shows an option to add Rupay CC on UPI, other versions not), Phonepe, Gpay should be Live soon.
  2. Mobikwik now allows to add Credit Card on UPI with its latest update dated 18th February (Beta version might have allowed this earlier too)
  3. As there is no restriction to the number of Rupay CCs that can be added, if you have multiple Rupay Credit Cards from above Banks, all can be added to UPI
  4. Visit Rupay website for the detailed tncs of the BHIM cashback offer seen above in image (i.e. 10% upto 100 every month till 31.03.2023 on minimum transaction of 50).

Note that Rupay Credit Card on UPI will work only for P2M transactions. P2P, P2PM won’t work. Also funds can’t be received to linked credit card on UPI.

Rewards on UPI Spends

Tata Neu Infinity CC is currently crediting base RPs i.e. 1.5% Neucoins on payment via UPI payment mode, which is good.

HDFC Bank days back came out with a notification that it will limit RPs to 500 per month on all HDFC Rupay CCs on UPI transactions. This means max. spends can be ~ 33334/- per month in order to get 500 RPs.

As we get NeuCoins here and not RPs, this seems little ambiguous. In practice though I have been getting 1.5% on all transactions so far. Keep in mind this may change in future as per above 500 per month rule.

Make hay while the sun shines!

Transaction Limits on UPI

  • 5000 INR for first 24 hrs
  • 1L per day per card
  • 2L per day per card (for some special MCC codes)

Apart from that, there is no limit to the number of transactions carried out via linked credit card on UPI.

My fairly large transaction via Rupay CC on UPI went successfully. 1 more transaction which would have taken the cumulative spends to more than 1L, got failed vindicating the above transaction limit rule.

QR Payment Experience

Though I have been able to add Infinity CC to BHIM first on inaugural day itself i.e. 14th Feb 23 and then to TATA Neu, Freecharge, Payzapp as well within 24 hours followed by on Paytm (Beta version), transaction experience on these have varied quite a bit. Here are my experiences–

  • BHIM App- Flawless everytime on Paytm/Amazon QR mostly & Gpay once
  • Payzapp- Tried twice on Paytm QR & successful
  • TATA Neu/ Freecharge- Tried on Paytm & Gpay QR, failed everytime
  • Paytm- Successful everytime


Currently there is no MDR charged to customers using their Rupay Credit Card on UPI. NPCI is likely working to make it win-win to banks, customers & merchants.

Hope the Rupay/UPI experience gets better over time across all apps and payment gateways without compromising on rewards.

Author: Satish Kumar Agarwal

An Engineer by profession. Charmed by the world of finance including Credit cards, Mutual Funds, Insurance etc. Helping friends in becoming financial savvy gives joy n pleasure to me.

11 thoughts on “HDFC TATA Neu Infinity Credit Card – UPI Experience

  1. Ejo

    I am yet to see any neu coins added to my account even after so many transactions, both UPI and swipe

    1. Satish Kumar Agarwal Post author

      See in HDFC netbanking post 2-3 days of transaction. In Neu app it will be transferred within 7 days of statement generation


    On Phonepe Visa credit by UPI is already working in filling stations
    I and my friend are already making payments by UPI with Visa credit cards

  3. Deepak

    I am using my Visa cards on Gpay since last two years. Only part is that these cards are visible only if the merchant has HDFC smart vyapar hub QR code.

    Statement shows name of merchant with Visa Direct. Rewards point with normal reward rates

    1. Abhishek chatterjee

      @Deepak and @RAJESH ALLABOYINA

      GPay and Phonepe link Visa credit card is different thing and work only on Bharat QR (limited merchant acceptance).

      But here RuPay credit card link UPI supported on any Merchants UPI QR payment or online UPI payment.

  4. Seshagiri Telkapalli

    Well, way back even Amex used to accept UPI payments on their CC using their App.

    1. AbhiKohli

      That was (is) BharatQR. A great concept complete gone down the drain. BharatQR had a very very limited acceptance… Amex on BharatQR virtually non- existent

  5. Rohit

    I got an LTF offer for both Infinity and Plus card. but there has been a problem. My registered mobile number with bank is different to tata neu app. After talking with bank and customer care for 2 to 3 days i gave a try but unfortunately the app thinks that i am a new customer and offered me plus variant with 79k limit. I am an existing card holder with HDFC and my limit is more than 7 digits. I would have got infinity for sure but since mobile number is different it only showed plus card.
    Now i have no option but to loggout after i use all my BB wallet amount and neu coins and then login with bank registered number and use for 1 year to get LTF infinity.
    Its sort of scam they show one thing and offer another thing. Please advice what i can do on this ?

  6. Sahil Goyal

    I cannot transact for any amount greater than 2000, anyone facing similar issue?

  7. RK Goyal


    I have received hdfc neu infinity rupay card..I am unable to make bill payments using bhim app….pl enlighten what all transactions allowed?


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