Heads up, credit card hunters! The popular Tata Neu Infinity and Tata Neu Plus credit cards from HDFC Bank, which normally come with annual fees, are currently available as Lifetime Free (LTF). This is not a drill, but there's a catch.
The Plus variant typically costs around ₹499 + GST annually, while the premium Infinity card comes with a fee of ₹1499 + GST. While they often waive the joining fee, the annual fee is a recurring charge. But under a special promotional offer, you have the chance to get one of these cards completely free, forever.
This exclusive offer is valid only until September 30, 2025, and you won't find it on the official HDFC or Tata Neu websites. Here’s the secret to how you can claim it.
The Catch: It's a Secret, Ad-Based Offer
This Lifetime Free deal is not a public promotion. Tata Neu is running a targeted advertising campaign on platforms like Instagram, YouTube, and other social media sites. Only users who see these specific ads and apply through the unique link provided in them are eligible for the LTF offer.
If you apply through the regular website link, you’ll likely only get the standard "First Year Free" offer, meaning you'll have to pay the annual fee from the second year onwards.
How to Find the Lifetime Free (LTF) Link
So, how do you get this elusive offer? You have two main strategies.
Method 1: The Direct (But Tricky) Link
After some digging, a direct link for the LTF campaign has been found. You can try your luck with it, but be prepared for a potential issue.
The Problem: Because this is a limited, high-demand offer, the link often gets overloaded with traffic. You might click on it and get stuck on an endless "Loading..." screen.
The Solution:
- Apply During Off-Peak Hours: Try applying late at night or very early in the morning when fewer people are online.
- Be Persistent: If it doesn't load, don't give up immediately. Try again after a few hours.
Method 2: Trigger the Ad Algorithm
This is a clever workaround to get the ad shown to you directly.
- Generate Cookies: Open Google and search for terms like "Tata Neu credit card," "HDFC Tata Neu card benefits," etc. Click on a few links.
- Wait for the Magic: This signals your interest to the ad algorithms. Soon, you should start seeing targeted ads for the Tata Neu credit card on your Instagram feed, YouTube, and other websites.
- Apply Through the Ad: Look for an ad that explicitly mentions "Lifetime Free." Click on it and apply through that official campaign link. This is the most reliable way to get the offer.
Are the Tata Neu Cards Worth It? A Quick Review
Even if you can't get the LTF deal, these cards are excellent, especially if you frequently shop within the Tata ecosystem. Here’s a quick comparison of their benefits:
| Feature | Tata Neu Infinity Card | Tata Neu Plus Card |
|---|---|---|
| Annual Fee | ₹1499 + GST (LTF in this offer) | ₹499 + GST (LTF in this offer) |
| Tata Neu Spends (with NeuPass) | Up to 10% back as NeuCoins | Up to 7% back as NeuCoins |
| Tata Partner Brands | 5% NeuCoins | 2% NeuCoins |
| Bill Payments (via Tata Neu) | 5% NeuCoins | 2% NeuCoins |
| UPI Payments (via Tata Neu) | 1.5% NeuCoins | 1% NeuCoins |
| All Other Spends | 1.5% NeuCoins | 1% NeuCoins |
| Domestic Lounge Access | 8 per year (2/quarter)* | 4 per year (1/quarter) |
| International Lounge Access | 4 per year | N/A |
| Fuel Surcharge Waiver | 1% | 1% |
*To unlock domestic lounge access on the Infinity card, you need to spend ₹35,000 in the previous calendar quarter.
The reward structure is generous, offering great value on brands like BigBasket, Croma, Tata 1mg, and Titan. The 1.5% reward rate on all other spends for the Infinity card is also highly competitive.
Final Thoughts
Getting a powerful co-branded credit card like the Tata Neu Infinity or Plus for a lifetime free is an incredible opportunity. While it requires a bit of effort and patience to secure the offer, the long-term savings are well worth it.
Remember, the deadline is September 30, 2025. The offer has been extended before, so it might happen again, but it's best not to wait.
Try the methods above, and let us know in the comments if you were successful in getting your Lifetime Free Tata Neu card! Good luck!