How Tata Neu infinity credit card saved me good money
The Tata Neu Credit Card, crafted in partnership with HDFC Bank, is a game-changer for avid shoppers, savvy travelers, and anyone looking to maximize their everyday spends. Offering a unique blend of rewards and privileges, this card truly stands out in the competitive credit card market.
Like many of us, I’m always on the lookout for ways to save a little extra while spending on essentials. Recently, I was exploring options to earn rewards on categories like paying LIC India premiums and doing some offline shopping. To my surprise, most credit cards had stopped offering reward points on insurance premium payments. That’s when I came across the Tata Neu Card, and I decided to give it a try.
Rewards on LIC Premium Payments
I started using the Tata Neu Card for paying my LIC policy premiums, and honestly, I wasn’t expecting much. But to my delight, I received reward points every single time I made a payment. This was a big win because many other cards no longer give rewards on insurance payments. With Tata Neu, I felt like I was getting something back for an expense that’s otherwise unavoidable.
The best part? Those reward points weren’t just sitting idle. I redeemed them on the Tata Neu app and managed to buy multiple items—everything from groceries to gadgets—without spending extra cash. It felt like my LIC premiums were indirectly funding my shopping spree!
Extra Benefits on Tata Group Platforms
The card becomes even more powerful when you shop across Tata group-managed platforms. Whether it’s BigBasket for groceries, Croma for electronics, Tata Cliq for fashion, or even Air India for travel, the rewards multiply. Since these are brands many of us already use regularly, the card naturally fits into everyday life.
For example, I ordered groceries from BigBasket and noticed that the reward points were significantly higher compared to other purchases. It’s like Tata Neu is encouraging you to stay within the Tata ecosystem, and honestly, it works well if you’re already a regular customer of these services.
Why It Stands Out
- Consistent rewards on LIC premiums – rare among credit cards today.
- Higher rewards on Tata platforms – perfect for those who shop or travel often with Tata brands.
- Easy redemption – points can be directly used on the Tata Neu app for shopping, dining, or travel.
- Good for ordinary people – it’s not a premium card with complicated conditions; it’s straightforward and practical.
My Verdict
In my opinion, the Tata Neu Card is a smart choice for everyday Indians who want to save while spending on essentials. It’s not about luxury perks or exclusive lounges—it’s about real savings on real expenses. From paying insurance premiums to buying groceries, the card ensures that you’re rewarded for things you’d be spending on anyway.
For me, it has turned routine payments into opportunities for savings. And in today’s world, where every rupee counts, that’s a big deal.
If you’re someone who pays LIC premiums regularly or shops often on Tata platforms, this card can genuinely add value to your financial life.
Let’s dive into the enhanced benefits it provides:
1. Exceptional Reward System
- Earn up to 5% back as NeuCoins on non-EMI transactions at Tata Neu and partner Tata brands such as BigBasket, Croma, Westside, Air India, and Tata 1mg.
- An additional 5% back in NeuCoins is available for select purchases made through Tata Neu, maximizing your savings.
- Get 1.5% back in NeuCoins on all non-Tata brand purchases, ensuring your rewards don't stop at Tata-related expenses.
- With the RuPay variant, even UPI-based transactions earn rewards—something unique to this card.
2. Flexible NeuCoins Redemption
- NeuCoins are your gateway to exclusive value, redeemable across a wide range of Tata brands, including Taj hotels (IHCL), Tata Cliq, Westside, Croma, and more. Whether you’re traveling, shopping, or indulging in fine dining, NeuCoins make every purchase more rewarding.
3. Luxurious Travel Benefits
- Enjoy 8 complimentary domestic lounge visits per year, adding a layer of comfort to your travel experience.
- Experience international travel in style with 4 complimentary international lounge visits annually.
4. Enticing Welcome Benefits
- Receive NeuCoins worth ₹1,499 as a welcome gift when you make your first transaction within 30 days of receiving the card. It’s a warm start to your rewarding journey!
5. Annual Fee Waiver
- Spending ₹1,00,000 or more in a year qualifies you for an annual fee waiver, letting you enjoy the card’s benefits without the recurring cost.
6. Fuel Savings
- Benefit from a fuel surcharge waiver, ensuring more economical commutes and travels.
Why Choose the Tata Neu Credit Card?
This card isn't just a financial tool—it’s a lifestyle enhancer. Whether you're stocking up on groceries, planning luxurious trips, shopping for the latest gadgets, or dining at premium restaurants, the Tata Neu Credit Card aligns perfectly with your needs. Its rewarding ecosystem, tied to the renowned Tata Group, ensures you get unmatched value for your money.
Final Thoughts
The Tata Neu Credit Card is a smart choice for anyone who loves to shop, travel, or explore the Tata universe. It seamlessly combines rewards, travel perks, and lifestyle benefits to offer an enriching experience. If you’re already shopping with Tata brands or looking to boost your savings, this card could be the perfect fit for your wallet.
Get a Tata Neu Credit Card (with No annual fee and charges)
