HDFC Tata Neu Credit Card Review & Trick to Get it Lifetime Free (2026)

If you have been waiting for the perfect moment to snag a premium credit card without a corresponding price tag, the time is now.

The HDFC Tata Neu credit card is currently one of the hottest credit cards in the market, especially with the new rupay option that offers UPI functionality. Whether you are a high spender on lifestyle apps or simply a card that can offer good value for daily UPI transactions, this card has it all.

#	Benefit Category	Offer Details
1	Card Status	Lifetime Free (LTF) - No Annual Fee
2	Food Delivery	10% Cashback on Zomato
3	Utility Bills	5% Cashback on Bill Payments
4	UPI Payments	1.5% Cashback on Scan & Pay
5	Travel	Free Airport Lounge Access
6	Music	6 Months Spotify Premium FREE
7	Dining Out	7 Months EazyDiner Prime FREE
Don't Miss Out! APPLY NOW →

Why You Need This Card Now

This is, of course, not just any credit card; it’s a rewards card. HDFC is launching two new cards: the Plus card and the Infinity card. The benefits are enormous compared to the cost, which equals zero!

Top Benefits at a Glance:

• 10% Cashback on Zomato minimum spend required.If you order a coffee, you get 10% back, and if you order a feast, you also get 10% cashback.

• 5% cashback on Bill Payments: Save on electricity, mobile, and utility bills.

• 1.5% Cashback on UPI Scan & Pay: Connect your RuPay card to UPI and earn on every scan.

• Free Lounge Access: Travel in Style without Additional Charges.

• 4 Months Spotify Premium FREE: Music to your ears, literally.

• 3 Months EazyDiner Prime FREE: Great for dining out discounts.

Which Card Will You Get?

The variant offered to you depends upon your prevailing relationship with HDFC or your credit limit:

Tata Neu Infinity: You will most likely get this premium variant if your current HDFC card limit exceeds 1.5 Lakhs

The 'Lifetime Free' Pro Tip

Though in the current offer, you will get a Joining Fee of ₹0, here is a secret strategy that will help you avoid being charged an annual fee in the future:

1. Apply Now to secure the card with the waiver of the joining fees.

2. Use the card for 10 months.

3. Send an email to HDFC Bank, requesting them to enhance the status of your card to "Lifetime Free".

4. The Leverage: If they do not agree to this, then we can always fall back to saying we want to close the card account. In most cases, they would probably want to upgrade you to an LTF account to retain you as a customer.

How to Apply

Don't miss this window. The approval rates are high, and the benefits on Zomato and UPI alone make this a must-have in your wallet.

Click Here to Apply & Claim Your Offer

(Select the RuPay variant for maximum UPI benefits!)

Tata Neu Plus: If your limit is lower, you'll still get the feature-packed Plus variant.

No CIBIL Score? No Issue.

If you don't have a credit history, well, you aren't left out. You can simply open a Fixed Deposit and get approved instantly against it.