Imagine a mash-up between India’s trusted Tata Group and the country’s leading private bank, HDFC. The result? A credit card that’s not just plastic in your wallet—but a rewards powerhouse. Welcome to the Tata Neu HDFC Bank Credit Card, where NeuCoins reign supreme and shopping is more rewarding than ever.
Table of Contents
What is the Tata Neu HDFC Bank Credit Card?
Overview
This isn’t your run-of-the-mill credit card. The Tata Neu HDFC Bank Credit Card is designed for shopaholics, tech geeks, and travel bugs who frequently interact with Tata brands—like Croma, BigBasket, Air India, IHCL hotels, and more.
Card Variants: Plus vs Infinity
Tata Neu Plus HDFC Credit Card
Annual Fee: ₹499 + GST
Entry-level, but still packs a punch
Up to 5% NeuCoins on Tata partner spends
Tata Neu Infinity HDFC Credit Card
Annual Fee: ₹1,499 + GST
Premium variant for frequent spenders
Up to 10% NeuCoins on partner brands
Key Features at a Glance
NeuCoins – The Reward Currency
Think of NeuCoins as your golden digital rupees—1 NeuCoin = ₹1. These aren’t some vague points that expire in 6 days. They’re super practical, and you can redeem them directly on the Tata Neu app across 20+ Tata brands.
Welcome Benefits
Both cards offer juicy welcome rewards:
Plus Card: 499 NeuCoins on spending ₹499 in 30 days
Infinity Card: 1499 NeuCoins on spending ₹1499 in 30 days
Annual Fee and Waivers
You can skip the fee altogether:
Plus Card: Spend ₹1,00,000/year to waive fee
Infinity Card: Spend ₹3,00,000/year to waive fee
That’s achievable for most active credit card users.
NeuCoins Reward Structure
Online vs Offline Spends
Let’s break it down:
| Spend Type | Plus Card | Infinity Card |
|---|---|---|
| Tata Neu App/Partner Brands | 5% | 10% |
| Non-Tata Online | 1.5% | 1.5% |
| Offline/Retail Stores | 1% | 1% |
| Wallet/EMI/Govt spends | 0% | 0% |
Partner Brand Boosts
Get boosted NeuCoins at:
BigBasket
Tata CLiQ
Croma
Air India
IHCL Hotels (Taj, Vivanta)
These are brands Indians love—and now love even more with cashbacks.
Conversion and Redemption
Here’s the best part—you don’t need rocket science to redeem rewards.
Go to Tata Neu App
Add to cart → Use NeuCoins at checkout
It’s instant. No coupons. No expiry nonsense.
Fees and Charges Breakdown
| Fee Type | Plus Card | Infinity Card |
|---|---|---|
| Annual Fee | ₹499 + GST | ₹1499 + GST |
| Interest Rate | ~3.6%/month | ~3.6%/month |
| Late Fee | ₹100 to ₹1300 | ₹100 to ₹1300 |
| Forex Mark-up | 3.5% | 2% (Infinity wins here) |
The Infinity Card is better if you travel abroad or shop internationally.
How to Apply for Tata Neu HDFC Bank Credit Card
Eligibility Criteria
Age: 21–60 years (self-employed or salaried)
Good credit score (750+ preferred)
Income proof and KYC docs
Documentation
You’ll need:
PAN Card
Aadhaar/Passport/Voter ID
Income proof (salary slip or ITR)
Bank statements
Apply directly via Tata Neu App or HDFC website—it takes just a few minutes.
Potential Downsides to Consider
Lower reward rates on non-Tata spends
No reward on fuel, EMI, wallet loads
Only useful if you engage with Tata ecosystem
NeuCoins expire in 365 days if not used
So, if Tata isn’t part of your life, this might not be the best pick.
Best Ways to Maximize Benefits
Do all BigBasket and Croma shopping via Tata Neu app
Pay hotel bookings via the app (Taj, Vivanta)
Use it for flight bookings on Air India
Stack NeuCoins with Tata Neu coupons for double value
Aim to cross fee-waiver thresholds every year
How It Compares with Other Credit Cards
Tata Neu HDFC vs Amazon Pay ICICI
| Feature | Tata Neu HDFC | Amazon Pay ICICI |
|---|
| Max Reward | 10% | 5% |
| Annual Fee | ₹499–₹1499 | ₹0 |
| Ecosystem | Tata Brands | Amazon |
| Lounge Access | Yes (Infinity) | No |
Tata Neu HDFC vs Flipkart Axis Bank
| Feature | Tata Neu HDFC | Flipkart Axis |
|---|
| Max Reward | 10% | 5% |
| Partner Brands | Tata | Flipkart/Myntra |
| Forex Fee | 2%-3.5% | 3.5% |
| Lounge Access | Yes (Infinity) | Yes |
Is It Worth It? The Final Verdict
If your household runs on Tata brands, this card is practically printing money for you. NeuCoins stack up fast, redemption is painless, and the cashback is real—not inflated gimmicks.
But if you’re more into Flipkart, Amazon, or offline spends—you might find better value elsewhere.
For the right user, especially with Tata spends north of ₹15,000/month, this card is a jackpot.
Conclusion
The Tata Neu HDFC Bank Credit Card is a solid contender in India’s increasingly crowded credit card space. Whether you pick the Plus or Infinity version, you’re getting a product tailor-made for modern, rewards-driven shoppers. Just remember—it shines brightest if you’re in the Tata ecosystem. Otherwise, it might not be your best bet. Choose wisely, swipe smartly, and happy rewarding!
Do NeuCoins expire?
Yes, NeuCoins expire 365 days from the date of issuance if not redeemed.
Does this card offer airport lounge access?
Yes, but only with the Infinity variant—4 complimentary domestic lounge visits per year.
Can I use this card internationally?
Absolutely. The Infinity card offers a lower forex mark-up fee (2%), making it more suitable for global use.
