By: OurMoneyGuide || Last updated on: May 8, 2024 

HDFC Bank has launched 2 co-branded credit cards with the Tata Group – Tata Neu Plus HDFC Bank Credit Card and Tata Neu Infinity HDFC Bank Credit Card.

Tata Neu is a multipurpose superapp developed by the Tata Group, the app currently houses the company’s various brands across industries. On Tata Neu app, one can earn rewards on various Tata brands such as AirAsia, BigBasket, Croma, Titan, Westside,Tata Cliq, Tata 1mg, Indian Hotels (Taj, Vivanta & Ginger hotels).

In this post, we will look at the Tata Neu Plus HDFC Bank Credit Card in more depth.

Pros & Cons of Tata Neu Plus HDFC Bank Credit Card

Pros

  • Good card choice for those who like to shop at various Tata brands.
  • Complimentary airport lounge access in India
  • UPI enabled on Rupay version of card, along with 1% reward on UPI spends
  • 1% reward on EMI transactions, while most cards give no rewards on EMI transactions

Cons

  • Attractive benefits are restricted to only Tata brands, hence it does not give cardholders a wide choice to spend and earn rewards

Features & Benefits of the Tata Neu Plus HDFC Bank Credit Card

Upto 7% benefit on Tata brands through Tata Neu app – 2% on the card || additional 5% as a Tata NeuPass member

✔︎ 2% benefit on Tata Neu spends : You earn 2 NeuCoins worth ₹2, on every ₹100 you spend on Tata Neu. This is valid only on non-EMI spends on Tata Neu.

✔︎ Additional 5% benefit on Tata Neu spends, as a Neu Pass member : As a NeuPass member, you earn additional 5 NeuCoins worth ₹5, on every ₹100 you spend on Tata Neu (on select categories). You need to download the Tata Neu App and register for Tata NeuPass. 1 NeuCoin = ₹1.

Please see table below to see some examples. To see latest information on which categories are eligible for 5% additional benefit and which do not qualify for this benefit, please click here, since there maybe changes from time to time.

Non-EMI Spends on Tata NeuBasic Benefit of 2%Additional Benefit of 5% /Total Benefit of 7%
(for Tata NeuPass members)
Bill paymentsYesNo
Jewellery : TanishqYesNo
Fitness : Cult FitYesNo
Entertainment : Tata PlayYesNo
Grocery: BigBasketYesYes
Fashion: Titan, Tata CLiQ, Westside, TitanYesYes
Electronics: Croma YesYes
Travel: All brand of Indian Hotels, Air AsiaYesYes
Food delivery & healthcare: Tata 1 mg, Q MinYesYes
*To become a NeuPass member, simply download the Tata Neu App and register for NeuPass.


1 NeuCoin = ₹1, please see below information on how to redeem NeuCoins.

Rewards redemption: You can redeem NeuCoins at various Tata brands , both online and at stores/ hotels (offline).
✔︎ Online redemption
At Air India Express, Bigbasket, Croma, IHCL hotels, Tata Neu-
– Step 1. Select ‘Tata Pay’ as payment option on the payments page
– Step 2. Redeem desired amount of ‘NeuCoins’ on Tata Pay
At Tata CLiQ, Tata 1mg-
– Step 1. Select ‘NeuCoins’ / ‘Use my NeuCoins/Loyalty Redemption’ option on order page / payments page
– Step 2. Redeem the desired amount of NeuCoins

✔︎ Offline redemption (at stores and at hotels)
– At Croma, IHCL hotels, Titan, Westside : At the cashiers’ desk, please follow the below steps-
– Step 1. Share your Tata Neu registered mobile number with the cashier
– Step 2. The cashier will check the NeuCoins balance in your Tata Neu account
– Step 3. Specify the amount of NeuCoins to be redeemed
– Step 4. The cashier will trigger an OTP to your registered mobile number
– Step 5. Share the OTP with the cashier to redeem your purchase using NeuCoins

NeuCoins have a validity of 365 days. Additional NeuCoins earned during special promotions have specified expiry dates.

2% special benefit on select Tata brands, outside Tata Neu App

You earn 2 NeuCoins worth ₹2, on every ₹100 you spend on partner Tata brands (if you spend directly online/offline at these outlets).

Please click here to see latest list of partner Tata brands, since there maybe changes from time to time.

This benefit is valid only on non-EMI purchases, on EMI spends you earn 1 NeuCoins worth ₹1, on every ₹100 spent.

1% basic benefit on all other card purchases, including UPI spends

You earn 1 NeuCoins worth ₹1, on every ₹100 you spend on all other card purchases, including UPI spends.

On UPI spends, this benefit is valid on UPI spends upto ₹50,000 per month, since you can earn a maximum of 500 NeuCoins per month. 

Exceptions : No rewards are given on fuel spends, rental transactions, government-related transactions, wallet loads, gift or prepaid card loads, voucher purchases, cash advances, payment of outstanding balances, payment of card fees and charges. On grocery transactions, you can earn a maximum of 1000 NeuCoins per month.

Complimentary visits to airport lounges in India – 1 time per quarter

You get free visits to domestic airport lounges, 1 time per quarter. For more details, please click here.

Fuel surcharge waiver upto ₹250 per month

You get 1% fuel surcharge waiver at all fuel stations, only on fuel transactions between ₹400 and ₹5000. And only on fuel spends upto ₹25,000 per month (since the maximum waiver amount is capped at ₹250 per month).

Upto 4% cashback on a variety of categories and partners – through HDFC Smartbuy platform

HDFC Smartbuy is a platform which display’s HDFC Bank’s exclusive partnerships, with a variety of partners. You get upto 4% cashback (as NeuCoins) on various categories and at various partners, please see details in the table below.

Cashback is given in the form of NeuCoins. 1 NeuCoin = ₹1. NeuCoins will be posted within 90 working days (from the last date of transaction month) into your card account, and will be transferred to the Tata Neu app for redemption within 7 working days of card statement generation.

You can get a a maximum of 1000 NeuCoins per month.


Applicable categories and partners
1% cashback on various travel spends, through HDFC Smartbuy
(1 NeuCoin worth ₹1, on every ₹100 spent)
✓ Flight bookings (via Cleartrip, EaseMyTrip & Goibibo)
✓ IRCTC train tickets
✓ Bus tickets, through RedBus
4% cashback on hotel spends, through HDFC Smartbuy
(4 NeuCoins worth ₹4, on every ₹100 spent)
✓ Hotel bookings via MakeMyTrip
✓ Hotel bookings via Cleartrip
1% cashback on gift voucher purchases, through HDFC Smartbuy
(1 NeuCoin worth ₹1, on every ₹100 spent)
Gift vouchers usually include Amazon Pay, Flipkart, Amazon shopping and more

There maybe individual limits on certain gift vouchers, and/or processing charges on certain gift vouchers, for example Amazon Pay vouchers. To see latest details, and a list of all gift vouchers available, please click here.
Upto 4% cashback at select partners, through HDFC Smartbuy✓ IGP.com – 4% cashback
✓ Apple Imagine | Tresor – 1% cashback
✓ Flipkart – 1% cashback
Please note that partners listed on HDFC Smartbuy platform could change from time to time. To see latest details of applicable partners, please click here.


HDFC Bank customer care number

Please click here to see details on all options available – HDFC Bank Customer Care Details

Zero lost card liability

In the unfortunate event of you losing your HDFC Credit Card, report it immediately to the 24-hour call centre. After reporting the loss, you have zero liability on any fraudulent transactions made on your Credit Card.

Tata Neu Plus HDFC Bank Credit Card Fees and Charges

Annual fee & annual fee offers

Annual fee
Annual fee offers
1st year joining fee₹499Welcome offer : You get 499 NeuCoins worth ₹499 , on doing your 1st credit card transaction within 30 days of card issuance.
Renewal fee from 2nd year onwards₹499Renewal offer : Annual fee is not charged from the second year onwards , if you spend ₹1 lakh or more in the previous year.

Important Note

– GST/ other applicable taxes as per current laws, will be applicable on all fees and charges
– To view all/updated fees & charges on this card, please click here – HDFC Bank Credit Card Fees & Charges

Eligibility Criteria

Although your credit card eligibility is based on multiple parameters which can be assessed once you apply for an HDFC Credit Card, there are certain basic criteria that all applicants must fulfil. 

Minimum age21 years
Maximum ageSalaried – 60 years
Self employed – 65 years
Occupation Salaried or self employed
Minimum income requirementSalaried : Net monthly income of ₹25,000 per month || Self-employed : ₹6 lakhs per year
Credit scoreNot specified, credit score of 750 or more is generally preferred

Application Process

Step-by-step guide –

Online application process
The easiest way is to click here – APPLY NOW , you will be taken to the card application page on the HDFC Bank website. You can also visit official website of the bank and fill out the application form.

Steps :
– The bank’s website and mobile app offer a user-friendly interface that makes the application process quick and easy.
– To apply, simply provide your personal details, such as your mobile phone number, income, and PAN number, along with the required documents.
– Submit your application
Offline (face to face)  application processYou can visit any of the nearest branches of the bank and talk to an executive regarding the process.
Whatsapp BankingYou can also apply for your card through HDFC Whatsapp Banking. Here are the steps to apply for an HDFC credit card through WhatsApp banking:

1. Save the Chat Banking number 7070022222 (HDFC Bank WhatsApp number) in your contacts
2. Send “Hi”
3. Choose the desired option OR simply type your query, for example – “Apply for Credit Card”
4. Apply and wait for further instructions or updates on your card application status.
Tracking your application statusClick here to track the status of your HDFC Bank Credit Card application.

You can also check the status of your application through Chat with EVA. Simply ask the chatbot to help you track your credit card applications and follow its instructions.

Necessary documents –

Required documents
– PAN card copy
– Identity proof : PAN card , driving license, valid passport, voter ID (any one)
– Address proof : electricity bill, phone bill, driving licence, passport, ration card, bank statement, passbook, voters ID, flat maintenance bill, rent agreement (any one)
– Income proof : latest salary slip/s, income tax returns

You maybe required to provide additional documents, on a case-to-case basis.