Tata Credit Card – Check Benefits & Apply Online

"Ma, I'm thinking of getting a credit card," Ankit replied.

"Which one?" she inquired, folding the clothing.

"The Tata Neu Infinity HDFC Credit Card offers 5% back in NeuCoins on Tata brands such as BigBasket, Croma, and Tata 1mg." Get ₹500 back for every ₹10,000 spent.

"Nice! "And the rest?"

"1.5% cash back on all other purchases, including complimentary airport lounge access and fuel surcharge waiver. The annual charge is ₹1,499, but it's waived if you spend ₹3,00,000 each year.

"Hmm, just don't spend more than you earn," she said, smiling.

"Of course not, Ma—I'm investing smartly, not spending blindly!"

Tata Credit Card Overview

The Tata Neu HDFC Bank Credit Cards are specially designed to benefit users shopping across Tata brands. There are two variants:

1. Tata Neu Plus HDFC Bank Credit Card
2. Tata Neu Infinity HDFC Bank Credit Card

These cards are co-branded with HDFC Bank and linked to Tata’s loyalty app—Tata Neu.

Card Variants Overview

Ankit calculated, “If I spend ₹15,000 per month on the Tata Neu app, I could get ₹1,500 worth of NeuCoins monthly using the Infinity card!”

Key Highlights of Tata Credit Cards

“Ma, the highlights are too tempting,” Ankit chuckled. Here's what he found most exciting:

• Up to 10% back in NeuCoins on Tata brand spends.
• Complimentary airport lounge access (only with the Infinity variant).
• 1 NeuCoin = ₹1 redeemable on Tata Neu.
• Domestic and international spend benefits.
• Multiple payment options via the Tata Neu app and HDFC netbanking.

Cashback Illustration

Benefits of Tata Credit Card

Ankit grinned, “It’s more than just cashback.”

1. Complimentary Lounge Access

• 4 visits/year (1 per quarter) at Indian domestic lounges with the Infinity variant.
• Great for frequent fliers like Ankit, who travels monthly from Pune to Delhi.

2. Fuel Surcharge Waiver

• 1% waiver on fuel spends between ₹400–₹5,000.
• Max benefit: ₹250/month.

Ankit's monthly fuel cost: ₹4,000 ⇒ 1% of ₹4,000 = ₹40 savings.

3. Dining Privileges

• Up to 20% off at partner restaurants under HDFC’s dining programme.

4. Zero Lost Card Liability

• Report loss immediately → zero liability protection activated.
  
  

Tata Credit Card Cashback & Rewards

"How exactly do the NeuCoins work?" Ankit's mum asked.

“Well, they’re like cashback points. 1 NeuCoin = ₹1.”

NeuCoin Rewards Breakdown:

• Tata Neu App using Infinity Card: 10%
• Tata Neu App using Plus Card: 7%
• Tata Partner brands offline: 5%
• Non-Tata spends: 1.5% (Infinity) or 1% (Plus)

Example: Ram’s Monthly Spend

Ram's Monthly Spend Breakdown

Ram earns over ₹1,500 every month without extra effort!

Tata Credit Card Fees & Other Charges

Ankit was cautious: “Let’s look at hidden charges too.”

Fees & Charges Comparison

Tip: Renewal fee is waived on annual spends above ₹1,00,000 (Plus) or ₹3,00,000 (Infinity).

Late Payment Fee Applicable on Tata Credit Card

Missed a payment? Here's what it could cost you:

Table 5: Late Payment Charges Slab

Ankit marked a reminder in his calendar: “Never miss a due date!”

Tata Credit Card Pros & Cons

Pros

• The Tata ecosystem offers generous benefits.
• Lounge access and fuel waiver (Infinity).
• Low renewal fees with waiver eligibility.

 Cons

• Benefits are limited outside of the Tata brands.
• High interest rates are common among credit cards.

Ankit's summary: "If you frequently shop at Tata brands like BigBasket, Croma, or Air India, this is a goldmine. But not for someone who spends a lot of money outside of Tata.

Conclusion

If you love Tata brands like Croma, BigBasket, and Air India, the Tata Neu HDFC Bank Credit Card is for you. It converts everyday spending into real value by providing generous NeuCoin rewards, lounge access, and fuel 

benefits. For Tata ecosystem customers, this is a prudent financial option.

FAQs

What is the main difference between Tata Neu Plus and Infinity Credit Cards?

The Infinity Card offers more rewards (up to 10% NeuCoins) and airport lounge access, while the Plus Card offers 7% NeuCoins but no lounge access.

How much is a NeuCoin worth?

NeuCoins, worth ₹1, can be redeemed on the Tata Neu app for numerous services and products.

Can I use this card to make non-Tata purchases?

Yes, you can earn 1% (Plus) or 1.5% (Infinity) NeuCoins from non-Tata transactions as well. However, the Tata ecosystem offers the most attractive advantages.

Is lounge access available for both cards?

No. Only the Infinity Card provides access to four domestic lounges each year.

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LoansJagat Team

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