Tata Neu Plus HDFC Bank Credit Card: Features, Fees, Benefits, and Drawbacks Explained

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Card Fees

₹499/-

Joining Fees

₹499/-

Annual Fees

3.5%

Foreign Transaction Fee

3.75%

APR

2.5%

Over-limit Fee

Eligibility Criteria

21-65

Minimum & Maximum Age Criteria

25,000/-

Minimum monthly income

750

Minimum Credit Score

Category

Minimum Credit Score Required

750

Annual Charges

₹499/-

Features

  • 2% NeuCoins on Tata spends
  • 1% on non-Tata & EMI spends
  • 4 lounge visits/year

Welcome Offer

  • 499 NeuCoins credited on the Tata Neu app

The Tata Neu Plus HDFC Bank Credit Card is designed for those who enjoy shopping and earning rewards on every purchase. Powered by Tata Neu and HDFC Bank, this card offers exclusive benefits on the Tata Neu app and partner brands. Users can earn NeuCoins, which can be redeemed for future purchases, making it an ideal choice for frequent online shoppers and brand enthusiasts.

Written By:

Hasnain Memon

Last Updated:

April 24, 2025

Key Features

  • Welcome Benefit: NeuCoins on first spend
  • Reward Structure: Earn NeuCoins on every purchase, with accelerated rewards on Tata Neu app and partner brands
  • Discount Benefits: Exclusive discounts on Tata brands
  • Fuel Surcharge Waiver: 1% waiver at petrol pumps
  • EMI Option: Convert big purchases into easy EMIs

Benefits and Rewards:

  • Reward Points (NeuCoins):
  • Earn NeuCoins on Tata Neu app purchases
  • Accelerated rewards on partner brands (Tanishq, Croma, BigBasket, and more)
  • Welcome Benefit: NeuCoins credited on first transaction
  • Lifestyle Benefits: Discounts and offers across Tata brands
  • Milestone Benefits: Annual fee waiver on reaching spending thresholds

Fees And Charges

Pro and Cons:

Pros:

  • Affordable joining and renewal fee
  • High reward rates on Tata Neu app
  • Exclusive brand discounts and offers
  • Fee waiver on annual spending of ₹1 lakh

Cons:

  • Limited benefits outside Tata brands
  • Higher finance charges on overdue amounts
  • Foreign currency markup of 3.5%

How To Apply

  1. Go to the Tata Neu app or HDFC Bank website
  2. Select Tata Neu Plus Credit Card
  3. Locate the credit card in the co-branded section
  4. Click ‘Apply Now’
  5. Start the application process
  6. Complete the Form
  7. Fill in your personal and income details
  8. Upload Documents
  9. Provide KYC documents and proof of income
  10. Submit Application

 

Additional Information

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  1. Is there a limit on the number of NeuCoins I can earn?
    • No, there’s no specific limit for earning NeuCoins.
  2. What are NeuCoins and how can I use them?
    • NeuCoins are rewards points that can be redeemed for Tata products or services.
  3. Can I pay my credit card bill using NeuCoins?
    • No, NeuCoins cannot be used to pay credit card bills.
  4. How do I activate my credit card?
    • You can activate your card via the HDFC Bank NetBanking or mobile app.
  5. What should I do if my card is lost or stolen?
    • Immediately report the loss by calling HDFC Bank’s customer service.

About

At FinWitty, we dive deep into the features, benefits, and rewards of various credit cards to bring you honest reviews, comparisons, and recommendations. Whether you’re looking for the best cashback card, travel perks, or fuel savings, we ensure you have all the insights needed to pick the perfect card for your needs.

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