Summary
The Tata Neu Plus HDFC Bank Credit Card is a credit card offering all the features with the explicit purpose of being especially for those who make frequent purchases from Tata brands. It is a co-brand card that was brought out by HDFC Bank with the support of the Tata Group, and it is quite complementary to the Tata Neu app. With this card, the consumer can earn NeuCoins that may be redeemed when shopping on Tata sites like BigBasket, Tata CLiQ, Croma, Westside, AirAsia, and many more.
One of the highlights of this card is the rewards program. Consumers earn up to 7% back as NeuCoins on spends on Tata brands via the Tata Neu app and 1% on spends other than Tata brand spends. The RuPay version of the card also facilitates UPI spends, offering up to 1% back when made with a Tata Neu UPI ID.
The card comes with extra benefits such as a welcome offer of 499 NeuCoins, four free domestic airport lounge visits annually, and a waiver of the 1% fuel surcharge. The card also features contactless payments that make it faster and more secure to use on an ongoing basis.
Introduction
In this new fast-paced digital world, all of us crave a credit card that not only keeps our expenses in check but also brings us interesting rewards and benefits. The Tata Neu Plus HDFC Bank Credit Card is an example of a card that brings the trust of the Tata Group with the powerful banking strength of HDFC Bank. This card is particularly crafted for shoppers, travelers, and savvy savers. Whether you are an online shopper or a travel and dining enthusiast, this credit card has a lot of advantages for you.
One of the most significant features of the Tata Neu Plus HDFC Bank Credit Card is that it is extremely integrated with the Tata Neu app. Tata Neu is an online portal that brings all Tata brands under one umbrella. With this card, one earns NeuCoins (reward points) on nearly every transaction they make—on BigBasket, AirAsia, Croma, Tata CliQ, Westside, or some other Tata ventures.
Apart from the rewards, the card also provides conveniences such as contactless spend, EMI conversion, and fuel surcharge deduction, which are simpler to avail in your everyday life. The card also offers you welcome offer once you make your initial bill payment. And the plus point is – availing of this card is convenient on the internet. You just have to fulfill some simple eligibility criteria such as age, income, and credit history. After applying, the process is typically fast and easy.
Another positive aspect of the Tata Neu Plus HDFC Bank Credit Card is its annual fees. The card has a minimal annual fee which, once again, can even be waived off if you spend a specific amount within a year. Therefore, if you’re using your card frequently, you may not need to pay even the annual fee.
What is the Tata Neu Plus HDFC Bank Credit Card?
Launched by HDFC Bank in association with the Tata Group, the high-end Tata Neu Plus HDFC Bank Credit Card is It is meant for individuals who wish to earn rewards on their regular shopping. The credit card is associated with the Tata Neu app, where customers can earn and redeem NeuCoins (reward points) in a bid to buy, travel, etc.
This card allows you to shop at major Tata brands like BigBasket, Croma, Tata CliQ, Westside, AirAsia, and many more. With every purchase using this card, NeuCoins are earned that can be redeemed by Tata Neu platform for offers and payment. Benefits like welcome bonus, gasoline surcharge waiver, and easy E MI options are also offered by this card.
What is the design of the Tata Neu Plus HDFC Bank Credit Card?
The Tata Neu Plus HDFC Credit Card sports a new, sleek design that reflects the partnership between the Tata Group and HDFC Bank. The card tends to be placed upfront with Tata Neu branding, and on occasion, with HDFC Bank being placed next to it in terms of showing off the collaboration of the two brands. The appearance is crisp, professional, and may be utilized by the majority of consumers.
The card is issued on both Visa and RuPay networks and provides contactless payment, where the card can be used to make quick and secure payments with a mere touch of the card at appropriate point-of-sale equipment. This provides increased convenience, especially for repeated purchases.
What are the benefits of the Tata Neu Plus HDFC Bank Credit Card?
The following are its key advantages:
1. Reward Points (NeuCoins):
- 7% Back: Earn up to 7% back as NeuCoins on spends made via the Tata Neu app or website, particularly on Tata properties like BigBasket, Croma, Tata CLiQ, Westside, and more. This over and above 5% back via NeuPass membership.
- 1% on Other Spends: Earn 1% back as NeuCoins on all other non-UPI spends.
- UPI Transactions: Earn 0.25% back on UPI transactions, with an additional 0.75% back when using the Tata Neu UPI ID, for a total reward of 1% back.
2. Welcome Benefit:
499 NeuCoins: Earn 499 NeuCoins as soon as you initiate your first transaction within 30 days from the date of card issue, effectively earning the first-year membership fee.
3. Lounge Access:
Domestic Lounges: Enjoy 4 free domestic airport lounge accesses throughout the year (one per quarter). A token fee of ₹2 is levied per visit to a lounge.
4. Waiver of Fuel Surcharge:
1% Waiver: Avail yourself of a 1% waiver of fuel surcharge on transactions between ₹5,000 to ₹400 at fuel stations at places all across India, up to ₹250 per statement cycle.
5. Waiver of Annual Fee
Spend-Based Waiver: If you spend ₹1,00,000 or more in a year, the annual renewal fee of ₹499 will be exempted.
6. Contactless Payments:
Tap & Pay: The card facilitates contactless payments with the choice of quick and secure transactions at contactless-enabled point-of-sale terminals.
7. Zero Lost Card Liability:
Safety Assurance: In case of loss of card, immediately inform HDFC Bank’s 24-hour call center to enjoy zero liability on any unauthorized transactions.
What are the fees for the Tata Neu Plus HDFC Bank Credit Card?
Here is a simple Tata Neu Plus HDFC Credit Card fee breakup.
| Joining Fee | ₹499 plus GST |
| Annual Fee | ₹499 plus GST |
| Add-on Card Fee | There are no charges for additional cards for family members. |
| Finance Charges | If you don’t pay your bill in full, a 3.75% per month (45% annually) charge on the outstanding balance. |
| Cash Advance Fee | 2.5% of the amount withdrawn or ₹500, whichever is higher. |
| Late Payment Fee | For Statement Balance Less than Rs. 101 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000 |
What are the criteria for getting a Tata Neu Plus HDFC Bank Credit Card?
The following are the primary requirements:
- To apply for the Tata Neu Plus HDFC Credit Card, you must be between 18 and 70 years old.
- The income requirement differs according to your employment status:
- Self-Employed Professionals: A minimum Annual income of Rs 1 lakh usually does the job.
- A secured income ensures regular, timely payments on the credit card bill. Any amount above it ensures that it increases the approval probability.
- Your credit score plays a role in the selection process. It is a tendency for HDFC Bank to favor borrowers with a better credit score usually above 750.
- You must be an Indian resident and have valid address proof within the country.
- A salaried person must be employed with a reputable company or organization. The bank can ask you for documents like your salary slip or employment letter.
- A Self-employed person must have business experience in the past years, generally 2+ years. You must show the bank proof of good, consistent income. This may be your income tax returns and bank statements.
What documents are required to get a Tata Neu Plus HDFC Bank Credit Card?
The documents that you will have to submit to Get a Tata Neu Plus HDFC Credit Card are as below:
| Identity Proof | Aadhaar card, Passport, Voter ID, Driving license, PAN card |
| Address Proof | Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address |
| Income Proof | Salary slip for the last 3 months, if you are a salaried employee Bank statement for the last 3 months ITR for self-employed persons |
| Photograph | The latest passport-sized photograph |
Where can the Tata Neu Plus HDFC Bank Credit Card be used?
Here is the list of places where you can use it:
- With the Tata Neu Plus HDFC Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.
- You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.
- You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.
- You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.
- You can use your credit card to pay electricity and water bills, mobile bills, and internet services.
- You can use your Tata Neu Plus HDFC Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).
- The Tata Neu Plus HDFC Bank Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.
What is the credit limit of the Tata Neu Plus HDFC Bank Credit Card?
The credit limit of the Tata Neu Plus HDFC Credit Card will rely on your income, credit score, and banking relationship. Subject to eligibility, this is a high-end credit card, typically ranging from ₹5 lakh to ₹25 lakh or more.
If you hold a Priority Banking account, you may be extended a higher credit limit. You are also allowed by the bank to request a limit upgrade based on your spending and repayment record. To ascertain your actual limit, you may call HDFC Bank once you have made your application.
How do you apply for a Tata Neu Plus HDFC Bank Credit Card?
Apply it through both these modes:
Online Application Process
- Visit the official website of HDFC Bank, i.e.
- Go to ‘Cards’, followed by ‘Credit Cards’.
- On that page, you can see numerous options for credit cards issued by HDFC Bank; for instance, you can choose the Tata Neu Plus HDFC Credit Card.
- Just hover your cursor on the Tata Neu Plus HDFC Bank Credit Card, followed by selecting ‘Apply Now‘ from there.
- You will be asked to fill out your details, including your name, contact information, income details, and employment status.
- Be accurate and updated with the information provided.
- You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.
- After filling out the details and uploading the documents, review your application to make sure everything is correct.
- Apply online through the application form.
- The bank will check your application after you submit it. They can ask for extra documents or information if required.
- You will be informed about the status of your application, and if approved, your card will be delivered to you.
Offline Application Process
- You can walk into the nearest HDFC Bank branch to apply for the Tata Neu Plus HDFC Credit Card.
- Request for the credit card application form for the Tata Neu Plus HDFC Bank Credit Card. They will provide you with the form and proceed accordingly.
- Fill in the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.
- Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and a passport.
- Your application will be processed, and your information will be cross-checked at the bank level.
- In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.
- You will receive the Tata Neu Plus HDFC Credit Card by post at the same postal address.
- Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the HDFC Bank Card website or mobile app, or by calling customer service.
- For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.
Would getting a Tata Neu Plus HDFC Bank Credit Card in 2025 be right?
Yes, the Tata Neu Plus HDFC Credit Card in 2025 can prove to be a good option if you eat, watch movies, and shop excessively. The card provides beneficial rewards such as savings on movie tickets, additional points on dining, and lifestyle privileges.
If you pay with your credit card frequently for such purchases, you can save a lot of money in the long term. The yearly fee is low and can be exempted if you spend sufficiently within the year. Just ensure you pay your bills in time to prevent fees. So, if your usage pattern is compatible with the rewards of this card, it can be a good choice for 2025.
Conclusion
Tata Neu Plus HDFC Bank Credit Card is an innovative and rewarding credit card offering the perfect combination of shopping benefits, savings, and convenience. In case you purchase frequently from Tata enterprises like BigBasket, Tata CLiQ, Croma, Westside, AirAsia, and others, then this card will help you save money as well as offer exhilarating rewards in the form of NeuCoins. These NeuCoins can be conveniently used on the Tata Neu app for purchases, bill payments, booking flight tickets, etc., making your money even more valuable.
One of the greatest things about this credit card is that it provides good rewards not only on Tata brand transactions but also on general spending. Whether you spend on food, travel, fuel, or groceries, you still get points. It also offers a welcome bonus, lounge privilege, fuel surcharge waiver, and easy EMI facility, hence making it a great choice for both first-time and experienced credit card holders.
One more gigantic advantage is the negligible yearly fee. And that also can be waived if you meet a minimum spend in a year. This way, you get to enjoy all the perks at no cost if you use the Credit card judiciously. The application procedure is also simple and quick—you can apply online in a matter of minutes.
Frequently Asked Questions (FAQ’s)
Ans: Yes, you enjoy a 1% fuel surcharge waiver for payments between ₹400 and ₹5,000. The waiver is ₹250 per month.
Ans: You may apply online through HDFC Bank’s website or the Tata Neu app. You’ll have to fulfill simple conditions such as age, income, and credit score.
Ans: You can use NeuCoins for shopping, flight bookings, or bill payments on the Tata Neu app directly or at checkout on Tata brand websites.
Ans: Yes, HDFC Bank facilitates easy EMI conversion for eligible purchases made on this credit card.
Ans: In case you lose your card, call the HDFC customer care immediately. After reporting, you will have zero liability for any unauthorized transactions.
