Tata Neu Infinity HDFC Credit Card 2025
Earn up to ₹50,000+ in savings annually on BigBasket, Croma, Air India, Tanishq, 1mg, Westside, shopping, air travel, and more!
Since you are an avid consumer of Tata Group brands such as Big Basket, Croma, Air India, Tanishq, Westside, Tata CLiQ, 1mg, and IHCL hotels, or an average UPI user, this Tata Neu Infinity HDFC Bank Credit Card has got you covered!
It gives an overall discount of 5% base + a maximum of 5% additional = a total of 10% discount on the Tata Neu app and other brands, 1.5% unlimited NeuCoins on overall spending including UPI, access to free use of 8 domestic and 4 international airport lounges, a minimum of 2% fee for foreign exchange, insurance of ₹1 Crore in case of air accidents, and currently, this card is lifetime free with no joining fee till December 2025.
You can redeem your NeuCoins immediately, one to one (1 NeuCoin = ₹1), in the Tata Neu App for groceries, air tickets, jewelry, electronics, and almost all categories of products.
Why Is This Card Currently the Best Tata Ecosystem Card?
Highest 10% p.a. return on entire Tata ecosystem • 1.5% guarantee on UPI & all other transactions • Lowest 2% forex surcharge on premium cards • ₹1 Crore air accidental death cover • Zero liability on lost cards • 1% fuel surcharge waiver • Milestone lounge access • The Lifetime Free offer is going on now.
For whom: BigBasket/Croma online buyers, Air India flight passengers, people buying jewelry from Tanishq, UPI transaction holders, and occasional international travelers.
Limited Period LTF Offer—Joining Fee 100% Waived till 31st Dec 2025
Card at a Glance
₹0 (LTF till Dec 2025)
₹1,499 + GST (Waived on spending ₹3L per annum)
Up to 10% on Tata brands | 1.5% on other spends
NeuCoins (1 NC = ₹1)
8 Domestic + 4 international per year
Only 2% (Lowest in segment)
Complete Fees & Charges
| Particular | Details |
|---|---|
| Joining Fee | ₹0 (Currently Lifetime Free till Dec 2025) |
| Annual Fee | ₹1,499 + GST (Fee waived on annual spend ₹3 lakh) |
| Welcome Bonus | 1,499 NeuCoins for the first transaction for non-LTF cards |
| Rewards Redemption Fee | Zero |
| Foreign Currency Markup | 2% + GST |
| Interest Rate | 3.49% – 3.75% per month |
| Fuel Surcharge Waiver | 1% (Max ₹500 per statement) |
| Cash Advance Fee | 2.5% or ₹500 (whichever is higher) |
Specific Reward Rates (2025)
- 5% NeuCoins for non-EMI transactions on Tata Neu App & other brands (BigBasket, Croma, Air India, Tanishq, Westside, Tata CLiQ, 1mg, IHCL, and many more)
- Extra 5% NeuCoins for selected categories in Tata Neu app → Overall maximum of 10%
- 1.5% NeuCoins for all other transactions, including EMI transactions
- 1.5% on UPI spends (Only RuPay variant)
- There are no rewards for fuel payments, recharging wallets, EMI transactions, insurance premium payments, cash withdrawals, rental payments, and skill games.
- The insurance budget has a limit of 2,000 NeuCoins every month.
Airport Lounge Access (2025 Rules)
DOMESTIC LOUNGES: Free visits of up to 2 in a calendar quarter if gross revenue is ₹50,000 or more in the previous quarter (maximum of 8 visits in a year)
INTERNATIONAL LOUNGES: 1 visit complimentary every calendar quarter (up to 4 times every year)
The vouchers are redeemable in 180 days. • Through SMS/email • Redeemable on Mastercard variant
Common domestic lounge access: Delhi, Mumbai, Bangalore, Chennai, Hyderabad, Kolkata, Ahmedabad, and many other
Insurance & Protection Benefits
- ₹1 Crore air accidental death insurance
- Zero liability on lost/stolen card, if reported immediately
- Overseas Emergency Hospitalization cover of up to Rs. 15 Lakh
- Provides protection against zero depreciation if car insurance premiums are paid using the credit card
Pros & Cons (Real User Review)
| Pros | Cons |
|---|---|
| The top 10% rewards for Tata group | Access to domestic lounge will require a spend of ₹50K each quarter |
| 1.5% unlimited return on UPI & all other spends | NeuCoins expire after 12 months from August 2025 |
| The lifetime free offer is live (till Dec 2025). | Rewards redeemable only within Tata Neu app ecosystem |
| Lowest 2% FOREX Markup in Premium Segment | No movie/restaurant ties exist for other brands |
| ₹1 Cr air accidental insurance | Restricted to only 4 international lounge visits per year |
| 1% fuel waiver + zero redemption fee | Spending limits for insurance from July 2025 |
Eligibility Criteria & Documents Required
- Age: 21-60 years (employed) | 21-65 years (self-employed)
- Minimal Annual Income: ₹12 Lakhs salaried or ₹1 Lakh and above monthly income
- Credit Score: 750+ preferred
- Documents: PAN, Aadhaar Card, Salary Slip/Launch ITR for past 3 months, Bank Statement
How to Apply Online (5-Minute Process)
- Click on any of the "Apply Now" buttons on this page.
- Basic Info Filled → Instant Pre-Approval Check
- Upload PAN, Aadhaar, and Income Proof
- Full Video KYC Process (2-3 minutes)
- Card approved & dispatched in 5-10 working days
Final Verdict: Whether You Should Buy It in 2025
If you are spending ₹10,000+/= per month on Tata businesses (Big Basket, Croma, Air India, Tanishq, and so on), then the Tata Neu Infinity HDFC Credit Card is the most rewarding co-brand credit card available. 10% cashback on Tata services and products, 1.5% cashback on other transactions, the lowest forex markup, a ₹1 Crore accidental insurance cover, and all this for a Lifetime Free card—this package is hard to resist for the typical Tata brand advocates!
Frequently Asked Questions (FAQs)
Where do I access and spend the NeuCoins?
Open Tata Neu app → Click on "Rewards" section → Check Balance → Use for payment purposes like BigBasket, Croma, Air India, Tanishq, etc.
Do NeuCoins Expire?
Yes. Valid for 12 months from the month of credit (effective from Aug 2025).
Will I earn NeuCoins on fuel, wallet load, and EMI?
No. There are no rewards on fuel, wallet loads, EMI conversion, insurance premium payments, and gaming transactions.
Are there any restrictions on NeuCoin earnings?
No. B. The insurance spending is capped at earning 2,000 NeuCoins per month.
Can I transfer my NeuCoins into cash or my bank account?
No. In the Tata Neu ecosystem, the NeuCoins are redeemable on a 1:1 basis only.
How to obtain lounge access vouchers?
Reach a spend of ₹50,000 in a quarter → Vouchers are sent via SMS/email within 15 days of the end of the quarter.
Is Lifetime Free a real offer?
Yes, absolutely genuine. There is no joining fee for accepted applications until 31st December 2025.
Disclosure of Affiliate Relationship NECTAR Disclaimer/Affiliate Disclaimer: Some of the links on this website have been affiliate links. In other words, if you apply using these links, we will receive a commission. No charge is applied to you. Most Recent Update: December 16, 2025