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Tata Neu Plus HDFC Credit Card

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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 December 20, 2024 5:43 pm

Author: Team PaisaBazaar

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

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.

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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).

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.

Savings Calculator

₹

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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)

Paisabazaar Review

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.

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.

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