Tata Neu Plus HDFC Bank Credit Card
Joining Fee: ₹499 + GST
Renewal Fee: ₹499 + GST
(Currently being offered as lifetime free)
Reward Type: Reward Points
Welcome Benefits
Bonus NeuCoins: Earn 499 NeuCoins upon making a successful transaction within the first 30 days of card issuance. NeuCoins will be credited within 60 days of the transaction. This benefit is not applicable to First Year Free and Lifetime Free cards.
Additional NeuCoins: Register for Tata NeuPass and earn an extra 5% of the transaction amount back in NeuCoins on select categories when spending on the Tata Neu app or website.
Rewards Structure
Tata Neu App/Website Purchases: Earn 7% NeuCoins (including an additional 5% for activating NeuPass).
Tata Partner Brands: 2% NeuCoins on non-EMI spends.
Non-Tata Brands & Merchant EMI Spends: 1% NeuCoins.
UPI Spends: 1% NeuCoins capped at 500 NeuCoins per month when transcated through Tata Neu mobile app else you will receive 0.5% when paid using other UPI apps eg. Paytm,PhonePe, Google Pay etc.
Exclusions: No NeuCoins on wallet loads, fuel transactions, rent, or smart EMI. Maximum of 1,000 NeuCoins per month from grocery transactions.
Reward Redemption
Redemption Options: NeuCoins can be redeemed for purchases with Tata partnered brands such as Tata 1mg, Air India Express, Croma, Westside, Bigbasket, Tata CLiQ Luxury, IHCL hotel bookings, Titan, Tanishq, and Qmin via the Tata Neu app or website.
Monetary Value: 1 NeuCoin = ₹1.
Redemption Method: Use Tata Pay as the payment method on the Tata Neu app or website. NeuCoins are valid for 1 year from the date earned.
Travel Benefits
Domestic Lounge Access: Enjoy 4 complimentary visits to domestic airport lounges annually, limited to 1 visit per quarter. A fee of ₹2 per visit applies to Visa/RuPay card variants.
Fuel Surcharge Waiver
Fuel Transactions: Receive a 1% waiver on fuel transactions between ₹400 and ₹5,000, with a maximum waiver of ₹250 per statement cycle.
Spend-Based Fee Waiver
Renewal Fee Waiver: Waive the renewal fee by spending ₹1 lakh or more in the anniversary year.
Here's a comparison table for the Tata Neu Infinity HDFC Bank Credit Card and Tata Neu Plus HDFC Bank Credit Card:
| Feature | Tata Neu Infinity HDFC Bank Credit Card | Tata Neu Plus HDFC Bank Credit Card |
|---|---|---|
| Joining Fee | ₹1,499 + GST | ₹499 + GST |
| Renewal Fee | ₹1,499 + GST | ₹499 + GST |
| Best Suited For | Shopping | Shopping |
| Welcome Benefits | 1,499 NeuCoins | 499 NeuCoins |
| Rewards Rate | 10% NeuCoins on Tata Neu app, 5% on Tata brands, 1.5% elsewhere | 7% NeuCoins on Tata Neu app, 2% on Tata brands, 1% elsewhere |
| Reward Redemption | Redeemable on Tata partner brands via Tata Neu app at 1 NeuCoin = ₹1 | Redeemable on Tata partner brands via Tata Neu app/website at 1 NeuCoin = ₹1 |
| Domestic Lounge Access | 8 complimentary visits per year | 4 complimentary visits per year |
| International Lounge Access | 4 complimentary visits per year | Not Available |
| Insurance Benefits | ₹1 crore air accident cover, ₹15 lakhs emergency hospitalization, ₹9 lakhs lost card liability | Not Available |
| Spend-Based Fee Waiver | Renewal fee waived on ₹3 lakhs annual spend | Renewal fee waived on ₹1 lakh annual spend |
| Fuel Surcharge Waiver | 1% on transactions between ₹400 and ₹5,000 (Max ₹500 per statement cycle) | 1% on transactions between ₹400 and ₹5,000 (Max ₹250 per statement cycle) |
This table highlights the key differences and similarities between the two cards.
Summary
The Tata Neu HDFC Bank Plus Credit Card offers a range of benefits, starting with 499 NeuCoins as a welcome bonus for new cardholders who complete a transaction within the first 30 days. Enjoy 7% NeuCoins on purchases through the Tata Neu app or website, with additional rewards on partner brands and everyday spends. The card also provides 4 complimentary domestic airport lounge visits annually and a 1% fuel surcharge waiver. Cardholders can waive the renewal fee by spending ₹1 lakh or more in a year. NeuCoins can be redeemed across Tata brands, offering significant value and versatility for frequent shoppers.