The HDFC Tata Neu Plus Credit Card is a co-branded offering designed for individuals who frequently engage with Tata brands. This card provides significant rewards in the form of NeuCoins, making it ideal for those who want to maximize their benefits on Tata brand purchases and enjoy additional lifestyle perks. The card also supports RuPay UPI, enhancing convenience for digital transactions.
Card Overview
| Category | Details |
|---|---|
|
Type of Card |
Co-branded Credit Card |
|
Annual Fee |
₹499 + GST |
|
Reward Rate |
0.25% to 7% |
|
USP |
High rewards on Tata brand purchases & UPI transactions |
|
Best Use For |
UPI Spends |
Joining & Renewal Fees
The HDFC Tata Neu Infinity Credit Card comes with a moderate annual fee, offset by its rewards and benefits.
| Category | Details |
|---|---|
|
Joining Fee |
₹499 + GST |
|
Joining Benefit |
499 NeuCoins |
|
Welcome Benefit Criteria |
Make a transaction within 30 days |
|
Renewal Fee |
₹499 + GST |
|
Renewal Waiver |
Spend ₹1 lakh in a year to waive the fee |
The fees of 499 would be easily justified with NeuCoins since you can buy medicines or shop on Tata CLiQ with 1 reward point = 1 rupee
Many times, HDFC gives the card for first year or Lifetime Free (LTF) as well. See if you get it for LTF & comment below
Neu Coins Earning Potential
The card offers a rewarding program with accelerated points on Tata brand purchases and select categories.
| Spend Type | Reward Rate |
|---|---|
|
Tata Neu and Partner Brands (with 5% NeuPass) |
7% |
|
Non-Tata Brand Spends |
1% |
|
UPI Spends |
0.25% back in NeuCoins, additional 0.75% via Tata Neu UPI ID |
Total NeuCoins earned on all UPI payments will be capped to 500 NeuCoins per calendar month. Below categories won’t earn any Neu Coins
- Wallet (MCC 6540)
- Gift vouchers
- Fuel (MCC 5541, 5542)
- Rent (MCC 6513)
- Government transactions (MCC 9311, 9399).
Rupay UPI Feature
The HDFC Tata Neu Plus Credit Card supports RuPay UPI, allowing cardholders to make seamless digital transactions directly from their credit card. This feature enhances convenience, especially for everyday purchases and bill payments.
Rewards Redemption
The card provides flexible redemption options for NeuCoins:
- Tata Neu App:
- Redeem NeuCoins for purchases on Tata Neu and partner brand platforms. Each NeuCoin is equivalent to ₹1.
- Travel and Lifestyle:
- Use NeuCoins for hotel bookings, flights, medicines, shopping and more within the Tata ecosystem.
- AirIndia Express
- TATA 1MG
- Bigbasket
- Croma, Westside.
- Tata CLiQ, Tata CLiQ Luxury
- Hotel Bookings/Purchases on IHCL
- Use NeuCoins for hotel bookings, flights, medicines, shopping and more within the Tata ecosystem.
Design and Appearance
The card features a sleek design. The aesthetics align with the benefits it offers, appealing to those who value style and exclusivity.
Airport Lounge Access
The HDFC Tata Neu Infinity Credit Card offers complimentary lounge access, enhancing the travel experience for cardholders.
| Benefit | Domestic Lounge Visits | International Lounge Visits |
|---|---|---|
|
Lounge Visits |
4 |
– |
|
Quarterly Limits |
1 |
– |
This card doesn’t provide international lounge unlike HDFC Tata Neu Infinity Credit Card
Foreign Currency Transaction Fee (Forex)
The HDFC Tata Neu Plus Credit Card charges a 3.5% fee on foreign currency transactions.
Fuel Surcharge Waiver
The card provides a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, up to ₹250 per statement cycle.
Golf Benefits
The HDFC Tata Neu Infinity Credit Card does not offer specific golf benefits.
Eligibility and Application
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Conclusion
The HDFC Tata Neu Plus Credit Card is an excellent choice for those who frequently shop within the Tata ecosystem and seek substantial rewards on their purchases. With its generous NeuCoin rewards, travel benefits, RuPay UPI feature, and it offers significant value for those aligned with its offerings. While the card’s benefits are primarily focused on Tata brand purchases, its overall perks make it a worthwhile option for eligible cardholders.