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Discover the top features and benefits of the Tata Neu Credit Card. Learn how to apply, compare Rupay & Infinity variants, and see if it’s worth it in 2025.
Introduction to Tata Neu Credit Card
The Tata Neu Credit Card has emerged as one of the most versatile financial tools for shopping, travel, and everyday use in India. Backed by Tata Group and HDFC Bank, this card is seamlessly integrated with the Tata Neu app and offers rewarding benefits across Tata brands. Whether you’re shopping at Croma, flying with Air India, or buying groceries at BigBasket, the Tata Neu Credit Card can help you save more.
Types of Tata Neu Credit Cards
There are two major variants of the Tata Neu Credit Card:
- Tata Neu Plus HDFC Bank Credit Card
- Tata Neu Infinity HDFC Bank Credit Card
Both offer exciting features, but the Infinity variant caters to high spenders looking for premium perks.
Tata Neu Credit Card Types
- Tata Neu Plus Credit Card – Entry-level card with NeuCoins rewards.
- Tata Neu Infinity Credit Card – Premium card with lounge access and higher NeuCoin returns.
How to Apply for a Tata Neu Credit Card
Applying for a Tata Neu Credit Card is a quick and convenient process:
- Visit the official Tata Neu app or HDFC Bank website.
- Navigate to the credit card section.
- Choose your preferred card variant (Plus or Infinity).
- Fill in your basic personal, income, and KYC details.
- Upload the necessary documents and submit your application.
Once approved, your card will be dispatched within 7 working days.
Tata Neu Credit Card Benefits
Here’s a detailed breakdown of the key benefits of the Tata Neu Credit Card:
1. NeuCoins on Every Spend
Earn NeuCoins on every purchase you make with the card. These can be redeemed for discounts on Tata Neu app services such as BigBasket, Air India, Tata 1mg, and Croma.
- Plus Variant: Up to 5% NeuCoins
- Infinity Variant: Up to 10% NeuCoins
2. Complimentary Lounge Access
Get complimentary airport lounge access with the Infinity variant, making travel more comfortable and premium.
3. Instant EMI Conversion
Big purchases can be converted into easy EMIs through the Tata Neu app or HDFC NetBanking.
4. Contactless Payment
The Tata Neu Credit Card is enabled for contactless transactions, ensuring secure and quick payments.
5. Annual Fee Waiver
Annual fee waiver is available if your yearly spend crosses a predefined limit:
- Plus: ₹1 Lakh
- Infinity: ₹3 Lakhs
Tata Neu Rupay Credit Card Benefits
- UPI Payments Enabled via Credit Card
- Reward Points on Tata & Partner Apps
- No Cost EMI on Tata Brands
- Faster Checkout Using Tata Neu App
- Zero Fuel Surcharge at Select Stations
Tata Neu Rupay Credit Card Benefits
The Tata Neu Rupay Credit Card is powered by the Rupay network and offers similar benefits but with added compatibility for UPI transactions. Here’s what makes it special:
- Link your Rupay credit card to UPI apps like Google Pay, PhonePe.
- Make seamless QR code payments.
- Enjoy reward benefits similar to the Visa variant.
The integration with UPI makes the Tata Neu Rupay Credit Card highly convenient for daily use, especially in small towns and for offline purchases.
HDFC Tata Neu Infinity Credit Card Review
The HDFC Tata Neu Infinity Credit Card is the premium offering with top-tier benefits. Here’s our honest review:
Pros:
- Earn up to 10% NeuCoins on Tata brand spends.
- 4 free domestic airport lounge accesses per quarter.
- Free Tata Neu Premium Membership.
- Fuel surcharge waiver up to ₹500/month.
Cons:
- High annual fee (₹1499 + GST)
- Benefits best utilized only if you are a regular Tata brand customer.
Verdict:
If you’re a frequent shopper at Tata brands or a frequent flyer via Air India, the Tata Neu Credit Card (Infinity) provides substantial value.
Comparison Table: Tata Neu Plus vs Infinity
| Feature | Plus Variant | Infinity Variant |
|---|---|---|
| NeuCoins Earning | Up to 5% | Up to 10% |
| Annual Fee | ₹499 | ₹1499 |
| Lounge Access | Not available | 4 Domestic/Quarter |
| Free Tata Neu Premium | No | Yes |
| Fuel Surcharge Waiver | ₹250/month | ₹500/month |
Tata Neu Infinity Credit Card Review: Pros & Cons
👍 Pros
- 5% NeuCoins on Tata brand spends
- Free domestic lounge access
- UPI-enabled via Rupay
- Zero Lost Card Liability
👎 Cons
- High annual fees if not waived
- NeuCoins limited to Tata ecosystem
- No international lounge access
Who Should Get a Tata Neu Credit Card?
The Tata Neu Credit Card is ideal for:
- Individuals who frequently shop from Tata brands.
- Regular Air India travelers.
- Urban users who prefer mobile and online payments.
- UPI users (Rupay variant especially).
Frequently Asked Questions (FAQs)
Q1. Is Tata Neu Credit Card free?
No, it comes with an annual fee (₹499 for Plus, ₹1499 for Infinity), which can be waived based on your yearly spend.
Q2. How many NeuCoins can I earn in a month?
There is no cap on total NeuCoins earned, but bonus categories may have limits.
Q3. Can I use this credit card for UPI payments?
Yes, the Tata Neu Rupay Credit Card can be used with UPI apps.
Q4. How to redeem NeuCoins?
Log in to the Tata Neu app, go to rewards, and use NeuCoins during checkout.
Q5. Can I convert my transactions into EMI?
Yes, any eligible transaction over ₹2,500 can be converted into EMI.
Final Thoughts
The Tata Neu Credit Card blends financial benefits with lifestyle rewards. Whether you pick the Plus or Infinity variant, the card delivers excellent value for Tata loyalists. Features like NeuCoins, UPI linkage (Rupay), lounge access, and brand-specific perks make this card a strong contender in 2025.
If you’re planning to apply for a new card, the Tata Neu Credit Card should be on your radar.
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How to Apply for Tata Neu Credit Card
- Visit the official Tata Neu app or HDFC website.
- Login and go to Credit Card section.
- Select between Plus or Infinity variant.
- Fill in your personal & financial details.
- Upload PAN, Aadhaar, and income proof.
- Submit the application and wait for verification.
- Track status via app or email confirmation.
Tags: #TataNeuCreditCard #CreditCardIndia #HDFCCreditCard #TataNeuRupay #NeuCoins #FinanceGuide