As an avid credit card user for travel and shopping, I was interested in Tata Neu Infinity HDFC Credit Card. The rewards structure being what it is and the access to lounges for added perks, the card is already quite attractive, particularly for fans of Tata-owned brands. new policy changes unfortunately, recent changes to lounge access have many cardholders, me included, searching for clarity.
In this review, I’ll explain the newest lounge access rules, how to redeem vouchers, and other valuable benefits of this card. Whether you are already a card member or planning to apply for it, this guide will help to make the most of your Tata Neu Infinity HDFC Credit Card.
A Snapshot of the Tata Neu Infinity HDFC CC
Before we get into the details of lounge access, let’s do a little review of what makes this card unique. Tata Neu Infinity HDFC Credit Card is a co-branded credit card offered in partnership between Tata and HDFC, and avail rewards on spending in Tata ecosystem like BigBasket, Croma, Westside, Air India.
Key Features at a Glance
- 5% NeuCoins on Tata Neu app and partner brand spends.
- 1.5% NeuCoins for other spends and UPI transactions (with ₹500/month cap).
- Sign up bonus of 1,499 NeuCoins free, which already pays for the sign up fee.
- Spend ₹3 lakhs in a year and get your annual fees waived off.
- Free domestic and overseas lounge access (conditions apply).
Now, however, it’s time to turn attention to the lounge access benefits, and at long last, things have been shaken up.
Lounge Access Rules: What Changed in 2025?
Last year, HDFC Bank tweaked its lounge access policy, moving from a swipe-based to a spend-based voucher-based one. Here’s what to know if you’ve been using this card for lounge visits.
Old vs. New Lounge Access Policy
Previous Policy (Before June 2025)
- 8 free domestic lounge visits per year (2 per quarter).
- A swipe cost ₹2 as nominal fee.
- Access was easy, just swiping the card at participating lounges.
New Policy (As of June 2025)
- Spending milestones will now award you lounge access.
- You must spend ₹50,000 in a single calendar quarter to qualify.
- Once you reach the threshold you get 2 lounge passes per quarter (up to 8 in a year).
- No more swiping directly — now access is like a voucher.
- The voucher must be claimed within 120 days and redeemed within 180 days of voucher redemption.
How to Verify Eligibility and Claim Vouchers
If you are curious about how to monitor all your spending and redeem lounge vouchers, see how I did it:
- Login to HDFC NetBanking \& HDFC MobileBanking app.
- Visit the Credit Card tab and click on your Tata Neu Infinity card.
- Redeem your rewards now Click on “Redeem Reward Points” (this takes you to the Rewards Portal).
- You could track your spending progress and voucher eligibility under “MyReward” > “Spend Promo Details”.
When you qualify, you will receive an SMS and email with a link to claim your voucher. And don’t forget: You lose the benefit if you don’t claim it after 120 days.
List of Domestic Eligible Lounges
The Tata Neu Infinity HDFC Credit Card cannot be used in all the lounges. According to the most recent news, here are some of the specific domestic lounges that are joining:
- Delhi: Encalm Lounge (Located at Terminal 2 & 3 – Domestic & International)
- Mumbai: Adani Lounge(Terminal 1B & 2 – Domestic), Adani East Lounge(Terminal 2 – International)
- Bangalore: BLR Domestic Lounge (Terminal 1); 080 Domestic Lounge (Terminal 2)
- Chennai: Travel Club Lounge A & B (Terminal 1 -Domestic)
- Hyderabad: Encalm Lounge (Terminal 1 – Domestic & International Lounge)
- Kolkata: Travel Club Lounge (Terminal 2 – Domestic)
Some lounges will tack on an additional fee for services such as spa treatments or alcohol. Also, don’t forget that you are allowed about 2-3 hours to hang out in a lounge but you shouldn’t spend at excess of 3 hours in there.
International Lounge Access: Priority Pass and RuPay Offers
Domestic lounge access rules have been adjusted but international lounge benefits have mostly remained the same, with some small changes depending on which card you hold.
For VISA Cardholders:
- 4 free accesses annually (1 each quarter) to Priority Pass.
- You must enroll Priority Pass (not auto-issued).
- Extra calls are $27 + GST.
- Access for Guests has the same cost.
For RuPay Cardholders:
- 4 free visits p.a. (includes 1 free visit per quarter).
- There is a $3.25 charge for the transaction, but it is reversed.
- No Priority Pass- Present your RuPay card and use lounges without any hassle.
Pro Tip: If you are a frequent international traveler, the VISA version has broader acceptance. But the RuPay one is great if you are someone looking for UPI-linked rewards.
Other Notable Benefits of the Tata Neu Infinity HDFC Credit Card
In addition to lounge access, this card comes with a few other perks that add some value:
1. NeuCoins Repurchase Flexibility
Get upto 10% value back on Tata Neu spends on pairing card rewards and NeuPass loyalty benefits. Users can redeem the NeuCoins at BigBasket, Croma, Air India, Westside, Tanishq, and IHCL hotels.
2. Fuel Surcharge Waiver
Avail 1% fuel surcharge waiver on fuel transactions of ₹400-₹5,000 across all fuel stations, maximum waiver of ₹500 per statement cycle.
3. Travel and Insurance Benefits
- Accidental Air Death cover of ₹1 crore.
- 15 lakhs; emergency hospitalization outside India.
- Lost card liability protection of ₹9 lakhs.
4. UPI and Contactless Payment Perks
- 1.5% NeuCoins on UPI spends (on paying Tata Neu UPI ID).
- Tap and pay feature for fast transactions (up to ₹5,000 without PIN).
The Tata Neu Infinity HDFC credit card is Still Worth It?
Now that there are these new lounge access rules, is this card still worth it? Yes, if you are regular with Tata brands. Here’s why:
- Up to 10% rewards on Tata spends (with NeuPass).
- Fair lounge access (if you spend ₹50,000/quarter).
- Good insurance and fuel surcharge coverage.
- UPI rewards (the credit cards that actually have them, anyway).
But if all you want is lounge access, you might have to rethink that plan, considering that the new policy demands a whole lot of charging be done in order to unlock the vouchers.
Final Thoughts: Getting the Most Out of Your Card
As a cardholder myself, The Tata Neu Infinity HDFC Credit Card is ideal for anyone who finds himself or herself frequently spending at Tata brands. The Positive balance on the lounge access benefits with the revamp, but the rewards structure still make it attractive.
- Here are some tips for getting the most out of it:
- Keep an eye out for your spend each quarter to remain eligible for lounge vouchers.
- Enjoy rewards on day to day transactions With Tata Neu UPI ID and get maximum benefits.
- Stack NeuPass discounts for even more savings.
If you can hit the spending cap, this card is still a worthy addition to your wallet. If lounge access is important, though, it may make more sense to pair it with another premium travel card.
If you have any questions feel free to ask in the comments, and I would be happy to share my own experiences and tips!