Key Highlights

The Tata Neu Plus Credit Card gives NeuCoins on all your purchases, with 2% rewards on Tata brand spends and 1% on other eligible transactions.
Cardholders get lifestyle benefits such as up to four complimentary domestic airport lounge visits every year and a 1% fuel surcharge waiver.
The card has an annual fee of ₹499, which is waived if your yearly spending crosses ₹1,00,000. It also offers zero lost-card liability for added security.

The Tata Neu Plus Credit Card is an HDFC Bank co-branded card. It is for everyday shoppers in the Tata ecosystem. It offers rewards, lifestyle benefits, and fee waivers to maximise value.

For example, Rahul uses his Tata Neu Plus Credit Card to shop, dine, and travel smartly. Let’s see how he benefits:

Situation / Action	Details
Shopping & dining	Earns NeuCoins on Tata brands like Croma, Westside, IHCL, and restaurants
Redeeming rewards	Uses NeuCoins on the Tata Neu App for discounts, lowering expenses
Extra perks	1% fuel surcharge waiver, free domestic lounge visits, 50-day interest-free period
Annual fee benefit	Renewal fee waived by spending ₹1,00,000 yearly
If the bill payment is missed	Faces a 3.6% monthly interest, increasing the outstanding amount
Smart solution	Pays dues on time to maximise rewards and avoid extra costs

With this approach, Rahul not only enjoys rewards and lifestyle benefits but also saves money by managing his payments wisely.

This guide will help you understand everything about the Tata Neu Plus Credit Card, including its features, NeuCoins earning structure, fees, and how to make the most of its benefits.

What is the Tata Neu Plus Credit Card?

The Tata Neu Plus Credit Card is a co-branded credit card that integrates seamlessly with the Tata Neu ecosystem. This card allows users to earn NeuCoins on every transaction, which can be used for purchases on Tata platforms such as Tata CLiQ, BigBasket, Croma, IHCL Hotels, and more.

The card is designed to offer significant savings and benefits through cashback, discounts, and exclusive offers for Tata customers.

Features of the Tata Neu Plus Credit Card

One of the biggest features that this credit card offers you is NeuCoins. NeuCoins are the reward points earned on transactions made using the Tata Neu Plus Credit Card. These can be redeemed for discounts and purchases on the Tata Neu app and partner Tata brands.

The rate at which NeuCoins are earned depends on the type of transaction, with higher rewards for Tata brand purchases and selected categories. Let us have a look at the NeuCoins earning opportunities this card creates:

Transaction Type	NeuCoins Earned
Non-EMI spends on Tata Neu and partner Tata Brands	2% back as NeuCoins
Non-Tata Brand Spends and any Merchant EMI Spends	1% back as NeuCoins
UPI Spends (including spends on partner Tata Brands)	1% back as NeuCoins (Max 500 NeuCoins per month)
Eligible UPI Spends w.e.f. 01-Aug-24	0.25% back as NeuCoins (Bank) + 0.75% back as NeuCoins (Tata Neu UPI ID) (Max 500 NeuCoins per month)
Rental and Government Transactions	No NeuCoins earned
Grocery Transactions	Capped at 1,000 NeuCoins per month
Utility Transactions (w.e.f. 1-Sep-24)	Capped at 2,000 NeuCoins per month
Telecom & Cable Transactions (w.e.f. 1-Sep-24)	Capped at 2,000 NeuCoins per month
Education Payments via third-party apps (CRED, Cheq, MobiKwik, etc.)	No NeuCoins earned
Education Payments directly via school/college websites or POS	Eligible for NeuCoins

Exclusions for Additional 5% NeuCoins via NeuPass Membership:

Bill Payment (Tata Pay)
Tanishq
Cult.fit
Air India
Tata Play

For more details on eligibility and NeuPass Membership, visit the Tata Neu website.

Now let us look at some of the other features that this card offers:

Feature

Description

Zero lost card liability

In the unfortunate event of losing your Tata Neu Plus HDFC Bank Credit Card, on reporting it immediately to our 24-hour call centre, you have zero liability for any fraudulent transactions made on your Credit Card.

Interest-Free Credit Period

Up to 50 days of interest-free period on your Tata Neu Plus HDFC Bank Credit Card from the date of purchase (subject to the submission of the charge by the Merchant).

Example:

Rahul makes a purchase of ₹10,000 using his Tata Neu Plus HDFC Bank Credit Card on 1st March. His statement was generated on 5th March, with a payment due date of 25th March, giving him an interest-free period from 1st March to 25th March (25 days). If Priya, another cardholder, purchases on 6th March and her next statement is generated on 5th April with a due date of 25th April, she will enjoy an interest-free period of 50 days, provided she pays her total outstanding balance by the due date.

Lounge Access

Domestic Lounge Access
4 Complimentary Domestic Lounge Access per calendar year (1 in a quarter). ₹2 (VISA / RuPay) will be charged to the Credit Card for the Lounge Access

Please note that as of w.e.f 15 May 2023, the list of eligible domestic lounge access has been updated. For more information, please click here.

Fuel Surcharge Waiver

1% fuel surcharge waiver at all fuel stations across India

(on a minimum transaction of ₹400 & maximum transaction of ₹5,000. Maximum waiver of ₹250 per statement cycle).

Example:

Amit refuels his car for ₹2,000 at a fuel station using his Tata Neu Plus HDFC Bank Credit Card. A 1% fuel surcharge of ₹20 is initially applied but later waived off in his billing statement. Similarly, if Meera refuels for ₹6,000, only ₹50 (1% of ₹5,000) is waived, as the waiver applies only up to ₹5,000 per transaction, with a maximum limit of ₹250 per statement cycle.

Welcome Benefit

Get 499 NeuCoins on the Tata Neu App (as reversal of 1st Year Membership Fees), applicable on 1st Transaction done within 30 days of card issuance and will be available inside the Tata Neu App within 60 days of such transaction.

Example:

Raj received his Tata Neu Plus HDFC Bank Credit Card on 1st March and made his first transaction of ₹1,000 on 10th March. Since the transaction is within 30 days of card issuance, he qualifies for the 499 NeuCoins as a reversal of the first-year membership fee. These NeuCoins will be available for him to claim inside the Tata Neu App by 9th May (within 60 days of the transaction).

Renewal Offer

Spend ₹1,00,000 or more in a year before your Credit Card renewal date and get your renewal fee waived off.

Example:

Sneha holds a Tata Neu Plus HDFC Bank Credit Card with a renewal date of 15th March. Over the year, she spends ₹1,05,000 on shopping, dining, and bill payments. Since her total spending exceeds ₹1,00,000, the ₹499 renewal fee is waived, allowing her to continue enjoying the card’s benefits without paying the annual fee.

Contactless Payment

The Tata Neu Plus HDFC Bank Credit Card is enabled for contactless payments, facilitating fast, convenient, and secure payments at retail outlets.

Please note that in India, payment through contactless mode is allowed for a maximum of ₹5000 for a single transaction, where you are not asked to input your Credit Card PIN. However, if the amount is higher than or equal to ₹5000, the cardholder has to enter the Credit Card PIN for security reasons.

To learn more about the different features of the card in detail, please click here.

How to Apply for the Tata Neu Plus Credit Card?

Applying for the Tata Neu Plus Credit Card is simple and can be done online or through HDFC Bank branches.

Eligibility criteria:

The first step to applying for the card is to make sure that you are eligible for the card, and the bank has very specific and simple criteria for the same:

For a Salaried Indian national

Age: Min 21 years & Max 60 Years
Net Monthly Income > ₹25,000

For a self-employed Indian national

Age: Min 21 years & Max 65 Years
ITR > ₹ 6,00,000 per annum

After ensuring your eligibility, you can choose from online and offline modes to apply for the card.

Online Steps to Apply:

Visit the official Tata Neu or HDFC Bank website and find the Tata new credit card application option under the credit cards section.
Click on the ‘Apply Now’ button for the Tata Neu Plus Credit Card.
Fill in the required personal and financial details.
Upload necessary documents such as identity, address, and income proof. Apply and wait for verification.
Upon approval, the card will be dispatched to your registered address.

Offline steps to Apply:

Visit the nearest HDFC Bank branch, using the branch locator.
Request an application form for the Tata Neu Plus Credit Card.
Fill out the form with accurate personal and financial details.
Attach copies of required documents, including identity, address, and income proof.
Apply to the bank representative.
Wait for verification and approval; upon approval, the card will be dispatched to your address.

Fees & Charges

Type	Amount
Joining/Renewal Membership Fee	₹499/- + Applicable Taxes (Spend ₹1,00,000 or more in a year before your Credit Card renewal date and get your renewal fee waived off) If applicable, the Joining Fees will be levied on the 120th day of the card issuance, and Renewal Fees will be levied every year at the start of every anniversary year. Example: Priya got her Tata Neu Plus HDFC Bank Credit Card on 1st January. If she spends ₹1,00,000 or more before her renewal date (next 1st January), the ₹499 renewal fee is waived off, helping her save on annual charges. Additionally, if applicable, the joining fee is charged on the 120th day (around 1st May), but she ensures she meets the spending criteria to maximise benefits.
Interest Rate	3.6% per month (43.2% per annum). Example: Arjun has an outstanding balance of ₹10,000 on his Tata Neu Plus HDFC Bank Credit Card and does not pay it by the due date. An interest rate of 3.6% per month is applied, adding ₹360 in interest for the first month. To avoid high interest charges, Arjun decides to pay off his full balance as soon as possible, realising that timely payments can help him save significantly on interest costs.
Late Payment Fee	₹100 - ₹1,300 based on outstanding balance
Cash Withdrawal Charges	2.5% of the withdrawn amount or ₹500, whichever is higher. Example Scenario: Vikram urgently needs cash and withdraws ₹8,000 using his Tata Neu Plus HDFC Bank Credit Card. The cash withdrawal charge is 2.5% of ₹8,000 = ₹200, but since the minimum charge is ₹500, he is charged ₹500 instead of ₹200. Understanding this, Vikram avoids frequent cash withdrawals and prefers digital payments to save on additional fees.
Foreign Currency Markup	3.5% of the transaction amount. Example: Riya travels to Dubai and uses her Tata Neu Plus HDFC Bank Credit Card to pay $200 (₹16,500) for shopping. A 3.5% foreign currency markup is applied, adding ₹577.50 to her bill. Minimise such charges in the future, Riya considers using a forex card or paying in INR when possible, helping her save on currency conversion costs.
Over Limit Charges	2.5% of the over-limit amount, subject to a minimum of ₹550. Example: Aakash has a credit limit of ₹50,000 on his Tata Neu Plus HDFC Bank Credit Card, but accidentally spends ₹52,000, exceeding his limit by ₹2,000. A 2.5% over-limit charge is applied, which amounts to ₹50, but since the minimum fee is ₹550, he is charged ₹550. Realising this, Aakash decides to monitor his spending carefully to avoid unnecessary fees in the future.
Cash Processing Fee	₹100 per cash deposit made at HDFC Bank branches or ATMs. Example: Neha deposits ₹10,000 in cash at an HDFC Bank branch to pay her Tata Neu Plus HDFC Bank Credit Card bill. A cash processing fee of ₹100 is charged for the transaction. To avoid this fee in the future, Neha opts for online payments via net banking or UPI, making her transactions more cost-effective.

To learn more about different significant fees, click here.

How to Redeem NeuCoins?

Redeeming NeuCoins earned through the Tata Neu Plus Credit Card is a straightforward process.

NeuCoins Redemption:

You can use your NeuCoins for purchases on Tata Neu /Website for Brands like:

Air India Express
Bigbasket
Croma, Westside.
Tata CLiQ, Tata CLiQ Luxury
Hotel Bookings/Purchases on IHCL
TATA 1MG
Qmin
Titan and Tanishq (only via Tata Neu)

You can use your NeuCoins by selecting Tata Pay/ NeuCoins /Loyalty Redemption as the payment method. NeuCoins can only be used on eligible transactions as defined by the individual brands.

For offline redemption of NeuCoins at selected stores, kindly refer to the FAQ.

Note:

Your monthly statement will give the breakup of NeuCoins as follows:

NeuCoins accrued and available with the Bank
NeuCoins transferred to Tata Neu during the Statement Cycle

Periodically (within 7 working days of the statement generation), the NeuCoins will be transferred to Tata Neu by the Bank. NeuCoins transferred to Tata Neu will be available for redemption on the Tata Neu App.

For detailed Terms and Conditions, click here.

NeuCoins Validity:

Your NeuCoins expire 365 days after your last transaction involving an eligible earn or use of NeuCoins (even if it is just one NeuCoin earned or used).

Here is how you can check your NeuCoins balance

Look for your NeuCoins balance on the Tata Neu homepage
For credit card-specific points, go to Tata Neu>>Credit Card>>NeuCoins earned.

During special promotions, you might also earn additional NeuCoins. The expiry of these NeuCoins will be mentioned at the time of issuance.

For details on Redemption and Validity on NeuCoins, please click here

Steps to Redeem NeuCoins:

Log in to the Tata Neu App.
Browse through Tata brands and select products or services.
At checkout, choose NeuCoins as the preferred payment method.
Enter the number of NeuCoins you wish to redeem
.
Complete the transaction and enjoy the benefits.

How to Maximise Benefits?

Use for Tata Brand Purchases: Earn maximum NeuCoins by shopping on Tata Neu, BigBasket, and Croma.
Pay Bills & Utilities: Use the card for everyday expenses to accumulate NeuCoins.
Dining & Travel Benefits: Make use of partner restaurant discounts and hotel benefits.
Spend ₹1,00,000 Annually: Ensure you meet the spending threshold to get the annual fee waiver.

Conclusion

The Tata Neu Plus Credit Card is a valuable financial tool for individuals who frequently shop or engage with Tata Group services. With an attractive NeuCoin rewards program, exclusive discounts, and an easy-to-use redemption system, this card offers a seamless shopping and payment experience.

Whether you’re a tech-savvy shopper, a travel enthusiast, or someone who wants to maximise savings on everyday purchases, the Tata Neu Plus Credit Card is a smart choice.

FAQs

1. What is the annual fee for the Tatu Plus Credit Card?
The annual fee is ₹499 + GST, which can be waived off if annual spending exceeds ₹1,00,000.

2. Is there a cap on NeuCoin earnings?
No, there is no upper limit on the number of NeuCoins you can earn.

3. How can I redeem my NeuCoins offline?

To redeem NeuCoins at a store, follow these steps:

Provide your Tata Neu-registered mobile number to the cashier.
The cashier will check and confirm your NeuCoins balance.
Specify the amount of NeuCoins you wish to redeem.
An OTP will be sent to your registered mobile number for verification.
Share the OTP with the cashier to complete the redemption.

Applicable Brands for Redemption:

Croma
IHCL Hotels
Westside

The Tata Neu Plus Credit Card is more than just a payment tool; it is a gateway to exclusive Tata benefits. Apply today and start enjoying a rewarding financial journey!