Let’s face it, your smartphone has become your wallet. From scanning QR codes for small payments to splitting bills on UPI and even tipping delivery partners digitally. With the rise of online shopping, we now use UPI and other digital methods not just for purchasing electronics but also for grocery shopping and paying utility bills.
And, if you use a credit card to maximize savings on online spending, you’ve likely noticed that most don’t offer great rewards on utility bills or UPI transactions. And even if they do provide cashback on groceries, they are often limited to some extent.
Enter the Tata Neu HDFC Bank Credit Card, an ideal choice for those whose digital spending extends beyond shopping, including groceries, utility bills, and UPI payments. This card bridges the gap between everyday digital transactions and big-ticket purchases, rewarding you with NeuCoins on every spend.
But what exactly does it offer, and how do its benefits stack up? Let’s dive in and explore everything about the Tata Neu HDFC Bank Credit Card.
Tata Neu HDFC Bank Credit Card: Brief Overview
It is a co-branded credit card designed for frequent Tata brand users in partnership with HDFC Bank. It offers up to 10% cashback on online transactions, but to maximize rewards, you must stick to Tata’s partner brands. For instance, groceries must be purchased from BigBasket, electronics from Croma, and fashion from Westside.
The cashback is awarded in the form of Tata NeuCoins, where 1 NeuCoin equals ₹1. For context, a non-Neu cardholder earns NeuCoins on the Tata Neu app based on their membership tier. The base Explorer tier awards 1% of the transaction value in NeuCoins, while the top Legend tier grants 5% of the transaction value. These NeuCoins can then be redeemed while spending on the Tata Neu app.
The Tata Neu HDFC Bank Credit Card is available in two variants: the NeuCard Plus and the NeuCard Infinity. The Tata Neu HDFC Bank Credit Card benefits for each option, along with additional advantages for those not fully invested in the Tata Neu ecosystem, are covered in the next section.
Tata Neu HDFC Bank Credit Card: Benefits
| Reward | NeuCard Infinity | NeuCard Plus |
| NeuCoins rewards on Tata Neu | 10 % (inclusive of 5% NeuCoins with NeuPass membership) | 7 % (inclusive of 5% NeuCoins with NeuPass membership) |
| NeuCoins rewards at partner Tata brands | 5 % | 2 % |
| NeuCoins rewards on every bill payment via Tata Neu | 5 % | 2 % |
| On Tata Neu UPI ID Spends | 1.5 % | 1 % |
| On other UPI spends | 0.5 % | 0.25 % |
| NeuCoins Rewards on all other spends (Excluding wallet load, fuel, rent, govt. spends) | 1.5 % | 1 % |
| NeuCoins on EMI transactions on Tata brands | 1.5 % | 1 % |
| Complimentary airport lounge access | 8 domestic & 4 international per annum | 4 domestic per annum |
| Fuel Surcharge Waiver | 1 % | 1 % |
| Joining Fee and Renewal Fees | Zero joining fee Renewal at ₹ 1499+GST, waived off on spends of Rs 3 lakh or more in the preceding year | Zero joining fee Renewal at ₹ 499+GST, waived off on spends of Rs 1 lakh or more in the preceding year |
| Welcome Benefits | 1499 NeuCoins on completing first transaction | 499 NeuCoins on completing first transaction |
Eligibility
To be eligible for the Tata Neu HDFC Bank Credit Card, a person must be either a salaried professional, a self-employed professional, or a self-employed businessperson. Below is the eligibility criteria for each category.
For Salaried Customers
- A person should belong to age group between 18 and 65 years of age
- Must have gross monthly income of greater than ₹25,000 for Tata Neu Plus HDFC Bank Credit Card
- Must have gross Monthly Income of greater than ₹1 lakh for Tata Neu Infinity HDFC Bank Credit Card
For Self-employed Customers
- A person should belong to age group between 18 and 65 years of age
- Must have an ITR of more than ₹ 6 lakh per annum for the Tata Neu Plus HDFC Bank Credit Card
- Must have an ITR of more than ₹ 12 lakh per annum for the Tata Neu Infinity HDFC Bank Credit Card
How to Apply for Tata Neu HDFC Bank Credit Card For Free
To apply for the Tata Neu HDFC Bank Credit Card with zero joining fees, click the link below. Submit your basic details for KYC, upload the required documents for eligibility, and receive provisional approval upon successful credit limit assessment.
Final Takeaway
All in all, the Tata Neu HDFC Bank Credit Card is a perfect choice if you make most of your transactions on the Tata Neu app or frequently shop with Tata partner brands. Another advantage is that you can use the card for UPI transactions as well as utility bills and even earn cashback on them. Additionally, there is no joining fee for applying the card, and all Tata partner brands are seamlessly integrated into the Tata Neu app for easy redemption.
For more detailed offers, visit Tata Neu Credit Card.