Tata Neu HDFC Bank Credit Card
The Tata Neu HDFC Bank Credit Card is a powerful credit card made for people who regularly shop or spend within the Tata Group brands. It is a co-branded card by HDFC Bank and Tata Neu, and it gives you rewards in the form of NeuCoins, which can be used for future purchases. If you often use services like BigBasket, 1mg, Croma, Air India, Tata Cliq, or stay at Taj Hotels, this card can offer great value.
One of the best features of this card is the high reward rate of up to 5% back on Tata brand purchases, plus additional benefits if you use the Tata Neu app. You can also earn 1.5% back on other purchases, including UPI payments if you choose the RuPay version of the card.
The card also offers free airport lounge access, travel insurance, and fuel surcharge waivers, which make it useful for both daily and travel-related expenses. There is a yearly fee, but it can be waived if you spend enough during the year.
Overall, this card is a great option for people who are loyal to the Tata brand and want to save more on everyday spending.
About Tata Neu HDFC Bank Credit Card
- You get up to 10% savings as Tata NeuCoins for all Tata brands like BigBasket, Air Asia, Tata 1mg, Croma, TataCliQ, Westside, Titan, Tanishq, etc. Applicable for transactions done on TataNeu app/website and registering for Tata NeuPass
- Up to 1.5% savings on all UPI spends via Tata Neu App using NeuCard.(maximum of Rs 500 per month)
- Get 12 free airport lounge access (8 domestic + 4 International) Per annum on NeuCard Infinity. 4 Domestic lounge access on NeuCard Plus
Other Amazing Offers
- 1% fuel surcharge waiver at all fuel stations across India on transaction of Rs 400 – Rs 5,000. (Max. waiver of Rs 250 / 500 per statement cycle for Plus/Infinity
- Leverage revolving credit facilities at nominal interest rates
- Get zero lost card liability waivers on fraudulent transactions and Credit Card loss, upon prompt reporting
- Up to 1.5% savings on all UPI spends via Tata Neu App using NeuCard.(maximum of Rs 500 per month)
- Get 12 free airport lounge access (8 domestic + 4 International) Per annum on NeuCard Infinity. 4 Domestic lounge access on NeuCard Plus
Fees & charges
- Zero Joining Fee
- Annual/Renewal Fee: NeuCard Infinity – Rs 1499 + GST, Renewal Fee of Rs 1,499 waived off on spends of Rs 3 lakh or more in the preceding year
- Annual/Renewal Fee: Neu Plus Card – Rs 499+GST, Renewal Fee of Rs 499 waived off on spends of Rs 1 lakh or more in the preceding year
Pros
-
Up to 10% cashback (as NeuCoins) when you shop on Tata brands using the Tata Neu app (like BigBasket, Croma, Air India, etc.)
-
1.5% cashback on other regular spending (including UPI, with a limit)
-
Free airport lounge access – 8 times in India and 4 times abroad per year
-
Welcome gift – you get 1,499 NeuCoins when you make your first purchase
-
Extra offers on Tata Neu app
-
Annual fee is waived if you spend ₹3 lakh in a year
Cons
-
Best rewards only work with Tata brands – not great for general shopping
-
UPI rewards are limited to ₹500 NeuCoins per month
-
Annual fee is ₹1,499 + GST if you don’t spend ₹3 lakh
-
No cashback on fuel, rent, wallet loads, EMIs, etc.
-
Sometimes shares credit limit with other HDFC cards
Conclusion
The Tata Neu HDFC Credit Card is a great choice if you often shop from Tata brands like BigBasket, Croma, Air India, or on the Tata Neu app. You can earn a lot of cashback (NeuCoins) and enjoy free lounge visits.
But if you mostly shop outside Tata brands or don’t spend ₹3 lakh a year, this card may not be worth it. In that case, a simpler cashback card (like SBI Cashback or Amazon Pay ICICI) may be better for you.
Eligibility Criteria
- Required Age: 21 – 65 years
- Employment status: Salaried or Self-Employed
- Minimum Income: Rs 25,000 per month (Salaried)
- Minimum Income: Rs 6 lakhs per annum (Self-Employed)
Documents Needed
- Address Proof – Aadhaar, Passport, Latest utility bills
- ID proof – PAN, Voter ID, Passport
- Income proof – Bank Statement, Salary Slips
