Tata Neu Plus HDFC Credit Card

Tata Neu plus HDFC Credit Card is a co-branded credit card and base variant of Tata Neu Infinity credit card. This card offer 2% value back as NeuCoin on Non-Emi spends and additional 5% value back on select Tata Neu purchase so total 7% value back ,making great choice who frequently shops from Tata Neu. The card also comes in Rupay variant so you can easily linked with UPI and what makes it great that it also offer 1% cashback on UPI spends. Cardholder can redeem earned reward on Tata neu app/website accross its partner brands like Bigbasket, Croma, Westside, Airindia Express and many more. Apart from reward it also offer welcome benefits, complimentary lounge access, so let’s discuss in details about this credit card and find out what other features it have.

JOINING FEE
Rs. 499+ GST
RENEWAL FEE
Rs. 499+ GST
BENEFITS
Complimentary 4 Domestic Airport Lounge in Year, 1 in each quarter.
REWARDS &CASHBACK
2% Back as NeuCoins on Non EMI spends on TATA Neu & Its Partner and 1% NeuCoins on other spends as well as on UPI

Key Features of Tata Neu Plus HDFC Credit Card

Welcome Benefits

  • You will get 499 Neucoin as welcome benefits on Tata app only on making 1st transaction within 30 days of card issuance. Welcome benefits will not be applicable for life time free credit card and first year free credit card.

Rewards Point

  • Get 2% back as Neucoin on Non-EMI spend on Tata Neu and partner Tata brand.
  • Get 1% back as Neucoin on EMi spend and Non Tata brand.
  • Get 1% back as Neucoin on UPI spend including spends on Tata brand, maximum capping is 500 Neucoin per month. Here is a twist, 0.25% Neucoin will be back on eligible UPI spends and remaining 0.75% will be back on using Tata Neu UPI ID.
  • You will get additional 5% back as Neucoin on selected categories on Tata Neu app/website after registering for Neupass.
  • No Neucoin on Fuel Spends, Wallet loads, Gift or Prepaid Card load, Voucher purchase

Airport Lounge

  • Get 4 complimentary domestic airport lounge access in year, 1 in each quarter. ₹2 will be charged on Visa/Rupay card for lounge access.

Fuel Surcharge Waiver

  • Get 1% Fuel surcharge waiver on all fuel transaction between Rs.400 to Rs.5000. Maximum waiver is Rs.250 per month.

Spend Based Waiver

  • The annual fee of Rs.499+GST is waived off if you have spent RS. 1 lakh in previous year.

Fees & Charges

Reward Redemption

  • You can redeem your Neucoin on Tata Neu website for brands like Bigbasket, Croma, Westside, Airindia Express,Tata CLiQ, Tata CLiQ Luxury, TATA 1MG and many more such brands.
  • There is reward redemption charges of ₹99 per redemption request, 1 Neu Coin = Re. 1.

Foreign Currency Markup

  • The card come with high foreign currency markup fee that is 3.5% of total transaction amount. So if you are looking of any international travel & transaction credit card you can choose other cards that have zero or very less markup fee.

Finance Charges & Cash withdrawal Fee

  • Interest rate is 3.75% per month that is 55.55% per annum.
  • Cash withdawal fee is min Rs.500 upto 2.5% of cash withdrawal amount.
  • Pros & Cons

Pros

  • Upto 7% value back as Neucoin on spends on Tata brands and website.
  • Good redemption value, 1Neucoin = ₹1.
  • 4 complimentary lounge access in year.

Cons

  • Very low reward rate on non tata brands.
  • No milestone benefits.
  • No Neucoin on spends such as fuel, insurance etc.
  • Final Thoughts

Tata Neu plus HDFC bank credit card is a decent credit card for those who are loyal to various tata brands, you can get upto 7% value back as neucoin on tata partner brands. You will also get 1% value back on UPI spends which is great for day to day expenses. This credit card is good for those who is just starting his/her credit card journey and have more shopping on brands related to tata. Here you will also get 4 complimentary lounge access in a year which is very decent as per joining/annual fee. So overall as per joining/annual fee this credit card offer decent reward rate, please comment below what do you feel about this credit card.

  • Frequently Asked Questions
What is validity of Neucoin earned on Tata Neu Plus HDFC bank credit card?

The earned Neucoin will be valid only 365 days from last credit date.

No, You will only get domestic lounge access, 1 in each quarter.

Yes the annual fee is waived off on spending Rs. 1lakh in previous year.

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