Tata Neu HDFC credit card

Tata Neu HDFC

HDFC Bank · Rupay

Tata Neu Plus HDFC Bank Credit Card is co-branded with the Tata Neu superapp — earn 5% NeuCoins on all purchases via the Tata Neu app and 1.5% everywhere else. NeuCoins are redeemable across the entire Tata ecosystem: Air India, Starbucks, Tata Cliq, Croma, Westside, BigBasket and more. The Rs.499 annual fee is waived at Rs.1.5 Lakh spend.

Annual Fee

₹1,499

Waived at ₹3.0L spend

Joining Fee

₹1,499

Base Reward Rate

5X

₹1/pt

Min CIBIL

680

₹3L+ income

Key Features

5% NeuCoins on all Tata Neu app purchases
1.5% NeuCoins on all other spends
Redeem across Air India, Starbucks, Croma, Westside, BigBasket, Tata Cliq
Annual fee waived at Rs.1.5 Lakh spend
4 complimentary domestic lounge visits per year
Welcome bonus: 499 NeuCoins
No-cost EMI on Croma and Tata brands

Welcome Benefits

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499 NeuCoins Welcome Bonus

Receive 499 NeuCoins credited to your Tata Neu account on card activation within 30 days.

Reward Rates by Category

Dining

5X

Travel

5X

Online

7X

Shopping

5X

Grocery

5X

Fuel

5X

Utilities

5X

Other

1X

Partner Earn Rates

PartnerCategoryEarn Rate
Tata Neu App — All PurchasesTata Ecosystem5X
Air IndiaTravel5X
Starbucks IndiaDining5X
CromaElectronics5X

Milestone Benefits

₹1.0 L

500 Bonus NeuCoins

Earn 500 bonus NeuCoins on spending ₹1 lakh per quarter across Tata and non-Tata brands

Quarterly

₹1.5 L

Annual Fee Waiver

Spend ₹1.5 lakhs to waive the annual fee for the following year

Annual

Airport Lounge Access

Domestic

4 visits/year

International

0 visits/year

Insurance & Protection

Personal Accident Cover

Accidental death cover for primary cardholder

₹5 Lakhs

Purchase Protection

Covers purchases against theft/damage within 90 days

Up to ₹50,000

Zero Liability

Report loss promptly

100% fraudulent charges

Eligibility Criteria

Age

21–65 years

Salaried Income

₹3.0 L+ per year

Self-Employed

₹4.0 L+ ITR

Min CIBIL Score

700+

Salaried: Rs.3 Lakh annual income. Accessible card aimed at Tata Neu app users. HDFC Bank customers have better approval odds and pre-approved offers are common.

Pros

  • 5% NeuCoins on all purchases via Tata Neu app
  • 1.5% NeuCoins on all other spends
  • Redeemable across massive Tata ecosystem: Air India, Starbucks, Croma, BigBasket
  • Annual fee waived at Rs.1.5 Lakh spend
  • 4 complimentary domestic lounge visits per year
  • Welcome 499 NeuCoins on joining
  • Access to Tata Neu exclusive member offers

Cons

  • NeuCoins only redeemable within Tata ecosystem — limited outside
  • Low earn rate outside Tata Neu app (1.5%)
  • Benefits heavily dependent on Tata Neu app adoption
  • NeuCoins cannot be transferred to non-Tata programs
  • Limited travel benefits beyond lounge access

Redemption Options

Tata Neu wallet

1 NeuCoin = ₹1 at Tata brands₹1/pt

Other redemptions

Standard₹0.5/pt

Frequently Asked Questions

What can I redeem Tata Neu NeuCoins for?+
NeuCoins are redeemable across the entire Tata ecosystem — Air India flights, Starbucks India, Croma electronics, Westside fashion, BigBasket groceries, Tata Cliq, Titan, Tanishq and more. 1 NeuCoin = Rs.1 in redemption value at partner brands. The Tata group is India is most diversified conglomerate, so the redemption utility is genuinely broad.
Do I need the Tata Neu app to get 5% NeuCoins?+
Yes — the 5% NeuCoins earn requires purchases to be made via the Tata Neu app. Direct purchases at Croma stores, Starbucks counters or Air India websites typically earn the lower 1.5% rate. To maximize earn, route eligible purchases through the Tata Neu app.
Is Tata Neu Plus worth it for non-Tata shoppers?+
No — the card is specifically designed for the Tata ecosystem. If you rarely shop at Tata brands or use Air India, the 1.5% on other spends is below what Axis ACE (2%) or SBI Cashback (5% online) offer. This card is excellent for Tata loyalists and primarily useful for them.
Does Tata Neu Plus HDFC give lounge access?+
Yes — 4 complimentary domestic lounge visits per year. Modest but included in the Rs.499 fee tier. Accessed via VISA network participating lounges.

Ready to apply?

Apply on the HDFC Bank website. Usually takes 10 minutes.

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Tata Neu HDFC

₹1,499/yr · 5X rewards