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    Tata Neu Plus HDFC Credit Card

    cat name Shopping
    cat name Co-branded
    3.0/5.0

    Travel3.0/5

    Rewards3.0/5

    Co-branded Benefits3.5/5

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    1st Year Fee: ₹499* Plus Applicable Taxes

    Co-branded

    Co-branded

    Save up to 7% on Tata Neu

    Shopping

    Shopping

    2% value back as NeuCoins

    Travel

    Travel

    Complimentary lounge access

    Updated on January 15, 2025 1:23 pm

    Author: Shruti Sharma

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    About The CardReward DetailsOther Features & BenefitsSavings CalculatorFees & ChargesThings to KnowCard ReviewFAQs

    About Tata Neu Plus HDFC Credit Card

    Tata Neu Plus HDFC is a co-branded credit card and the base variant of Tata Neu Infinity HDFC Credit Card. It allows cardholders to earn up to 7% value back on Tata Neu spends, making it an excellent choice for those who frequently shop at Tata Neu.

    Cardholders earn value back in the form of NeuCoins, which can be redeemed across Tata Neu and its partner brands, such as Air India, BigBasket, and Westside—offering the flexibility to redeem rewards across multiple brands instead of being restricted to just one.

    With this card, you can earn 2% value back on all non-EMI spends at Tata Neu, along with an additional 5% NeuCoins on select Tata Neu purchases. Besides this, you can earn 1% value back on other transactions, including UPI payments.

    Suggested Read: 25 Best Credit Cards in India 2024

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    Reward Benefits

    • 2% back as NeuCoins on Non-EMI spends on Tata Neu and partner Tata brands such as Air India, Westside, etc.1
    • 1% back as NeuCoins on Non-Tata brand spends and any merchant EMI spends2
    • 1% back as NeuCoins, up to 500 NeuCoins per month, on UPI spends via RuPay card variant
    • Additional 5% back as NeuCoins on transactions done on Tata Neu App/website, post downloading Tata Neu App, and registering for Tata NeuPass

    Points to Keep in Mind About Tata NeuCoins

    Validity: 365 days from the date of your last transaction involving an eligible earn or use of NeuCoins

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    Image of Tata Neu Plus HDFC Credit Card
    Image of Tata Neu Plus HDFC Credit Card

    Other Features & Benefits

    Welcome Benefits: 499 NeuCoins on Tata Neu App on making the first transaction within 30 days of card issuance.

    Complimentary Lounge Access: 4 complimentary domestic lounge visits every year (Max. 1 per quarter).

    Quick Check: International lounge access credit cards

    Annual Fee Waiver: Annual fee waiver on spending Rs. 1 Lakh in a year.

    Fuel Surcharge Waiver: 1% fuel surcharge waiver, up to Rs. 250 in a month, at all fuel stations across India on fuel spends of Rs. 400 to Rs. 5,000.

    Also Check: Fuel credit cards

    Savings Calculator

    ₹

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    Spend Rewards₹0

    Milestone Benefits₹0

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    ₹499 Plus Applicable Taxes

    NA

    ₹499 Plus Applicable Taxes

    Waived off on annual spends of Rs. 1 Lakh

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    Tata Neu Plus HDFC Credit Card : Fees & Charges

    Fee Type Amount
    Joining Fee Rs. 499
    Annual Fee Rs. 499
    Finance Charges 3.75% p.m. | 45% p.a.
    Late Payment Charges
    For Statement Balance:
    Up to Rs. 100 Nil
    Rs. 101 to Rs. 500 Rs. 100
    Rs. 501 to Rs. 1,000 Rs. 500
    Rs. 1,001 to Rs. 5,000 Rs. 600
    Rs. 5,001 to Rs. 10,000 Rs. 750
    Rs. 10,001 to Rs. 25,000 Rs. 900
    Rs. 25,001 to Rs. 50,000 Rs. 1,100
    More than Rs. 50,000 Rs. 1,300

    Things to Know Before you apply

    Get this card if:

    You frequently make purchases at Tata Neu and its partner brands- Westside, BigBasket, Croma and more

    You prefer a simple rewards program with direct redemption options through Tata Neu

    You can spend Rs. 1 Lakh in a year to avail annual fee waiver

    Eligibility Criteria:

    Age Requirements: 21 to 65 years

    Employment Type: Salaried or Self-employed

    Income Eligibility: Rs. 25,000 p.m. (For Salaried) and Rs. 6 LPA (For Self-employed)

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    Overall Rating

    3.0/5

    Travel3.0/5

    Rewards3.0/5

    Co-branded Benefits3.5/5

    What do we like about this card?

    Tata Neu Plus HDFC Credit Card offers 2% value back in the form of NeuCoins on Tata Neu and partner brands like Air India, Westside, and BigBasket. This credit card also offers the benefit of redeeming your accumulated reward points across all Tata Neu partners, unlike other co-branded cards that limit redemption to just one brand.

    Pros

    • Up to 7% value back on Tata Neu spends
    • Welcome benefits worth Rs. 500
    • Decent redemption value of 1 NeuCoin = Rs. 1

    Cons

    • No milestone benefits except annual fee waiver
    • Rewards can only be redeemed on Tata Neu and partner brands
    • Does not offer international lounge access

    Conclusion

    Tata Neu Plus HDFC Credit Card is a decent option for those who frequently shop at Tata Neu and its partner brands, offering up to 7% value back on Tata Neu spends. The card also offers 1% value back on UPI transactions, making it a practical choice for day-to-day expenses. While it does not offer international lounge access benefits, this is not a significant drawback given its annual fee. This card is well-suited for earning NeuCoins and redeeming them across Tata Neu and its partner brands.

    Frequently Asked Questions

    Everything you need to know about this credit card

    Yes, Tata Neu Plus HDFC Credit Card offers four complimentary domestic lounge visits each year, with a maximum of one visit allowed per quarter.

    Tata Neu Plus HDFC Credit Card charges an annual fee of Rs. 499. you can avail annual fee waiver on spending Rs. 1 Lakh in a year.

    NeuCoins cannot be earned on select transactions such as fuel purchases, rent payments, government-related expenses, voucher purchases, wallet loads, cash advances, outstanding bill payments, other fees or charges, and EMI transactions.

    Yes, Tata Neu Plus HDFC Credit Card is available in the RuPay variant. It allows you to earn 1% value back in the form of NeuCoins on UPI spends, with a monthly capping of 500 NeuCoins.

    No, Tata Neu Plus HDFC Credit Card is an unsecured credit card. To be eligible, your age must be between 21 and 65 years. For salaried individuals, the minimum income requirement is Rs. 25,000 per month, while for self-employed individuals, it is Rs. 6 LPA.

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    Footnotes

    1. Tata Neu Partner Brands: Tata 1MG, BigBasket, Croma, Air India Express, Tata CliQ, IHCL (TAJ group of Hotels), Westside, Qmin, Tata Play, Cult, Tata Pay, Titan and Tanishq.
    2. Fuel, rental or government-related spends, voucher purchases, wallet loads, cash advances, outstanding bill or other fees and charges payments and EMI transactions are not eligible to earn NeuCoins.

    Click here to know More Terms and Conditions

    Shruti Sharma linkedIn icon

    Content Writer

    Shruti Sharma is a skilled content writer with a passion for simplifying personal finance for consumers. Specializing in credit cards and financial planning, she offers valuable insights that empower individuals to make informed financial choices. Through her writing, she shares practical tips and guides readers through the nuances of credit card usage.

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