Tata Neu Credit Card: A Complete Guide to Benefits, Features, and How to Apply 2025

Tata Neu Credit Card is co-branded credit card which is offered by HDFC Bank and SBI Card in the partnership with Tata digital’s Tata Neu Platform. Basically it offers to users to earn rewards in the NeuCoins forms. Which is redeemable across the Tata Neu ecosystem and it’s co-brand (Partner).

Introduction

Tata Neu Credit Card is rapidly growing in the trend of digital banking and finance. It becomes one of the most popular choice for the shopkeepers as well as techholic consumers. Launched in collaboration with HDFC Bank, while this offers a great shopping experience, incredible rewards as well as exclusive discounts across the Tata group Brand and Tata Neu App.

In this article we are going to discuss all the information related to the Tata Neu Card, What is Tata Neu, Tata Neu App and etc. the whole guide including features, pros and cons, eligibility and all.

What is Tata Neu?

Before going to discuss about credit card details, it is important to know what is Tata Neu. So, Let’s go and understand about it.

Tata Neu is the application of the Tata Group, which offers wide range of services. For the consumers it is act as a one stop solution for various needs. It offers financial services, travel bookings, online shopping and much more in the single entire app. The app runs reward program also which is called NeuPass. with the help of NeuPass users can earn NeuCoins while they are doing transactions of using the app.

It integrates with various Tata brands like; Taj Hotels, BigBasket, AirAsia, Croma,Westside and etc. It also supports UPI Payments.

Key Features of Tata Neu Credit Card

Tata New comes in two types:

1. Tata Neu Plus Credit Card (for moderate spends)
2. Tata Neu Infinity Credit Card (for higher spends)

1. Welcome benefits: Generally this feature is useful for the new joiners. The both cards have different criteria for the welcome benefits. Plus Card provides 500 NeuCoins (Rs.500 which is 10% of the spent) on spending Rs.5000 in first 90 days. While, Infinity Card provides 1,000 NeuCoins (Rs.1,000 which is 10% of the spent) on spending ₹10,000 in first 90 days.
2. Reward Points: There is no any upper limit on NeuCoins you will earn or wanted to earn. You can earn 5% NeuCoins on purchases by the Tata Neu app (1 NeuCoin = Rs.1). While, you can get 1.5% NeuCoins on offline purchases as well as other online transactions.
3. Offers and Discounts: It provides 10% discount on flights by AirAsia. While 5% discount on Westside, BigBasket, and Croma. At the last they are providing Special discounts on Taj Hotels and Tata Cliq.
4. Annual Fee & Waiver: In Plus Card, if annual spends more then Rs.50,000 waived of Rs.500. While in Infinity Card; if annual spends more then Rs.1.5 lakhs waived of Rs.1500.

How to Apply for the Tata Neu Credit Card?

There are mainly two methods for applying credit card. firstly through the Tata Neu App and secondly through the HDFC Bank website. There is a process which is require for the complete the application of the Tata Neu Credit Card.

1. Tata Neu App: First of all you just need to download the App, after that login in the Tata Neu App. Once, download the App you just go to the finance section and then click on credit cards. At there you can check your eligibility.
2. HDFC Bank Website: In that you have to visit HDFC Bank Website, once you reach there visit the HDFC Bank’s credit card section. After that Search for Tata Neu Credit Card and check the eligibility.

Once you complete the process still eligibility after that further process is completely same for the both.

Fill the Application details: There is you need to fill the application with your proper information like; personal information, income details and etc. to complete the application form.

Verification Process: After submitting the Application form, HDFC Bank will verify the information which is provided by you. While, the verification process may be include document verification and credit score checks. In the document verification you need to provide PAN, Adhar as well as salary slips for the proof of identity as well as proof of income.

Approval and Card Delivery: Once, verification is successful; your application will reviewed by HDFC Bank. If, it approved then physical card will delivered to your address which is provided by you during the application process. it will arrive within 3 working days after approval. While, approval takes more time rather then delivery, receive approval within 7 working days.

Tracking Application Status: You can track the application process as well as card delivery by logging in to the Tata Neu App.

What are Pros and Cons of HDFC Tata Neu Credit Card:

Pros:

• High Rewards on Tata Neu spends: The card offers up to 10% discounts on Tata Neu as well as partner brand purchases.
• Welcome Benefits: Providing compensation for the new joiners(No joining fee for the first year).
  • Discounts: Providing an attractive discounts on flights, hotels, and shopping.
  • Value-Back on UPI Spends: Provide offers up to 1.5% value back on UPI transactions.
  • Domestic Lounge Access: Some of the versions of the card offer complimentary domestic airport lounge access for the users.

Cons:

• Limited Reward Redemption: There are limitations in the rewards redemption on Tata Neu as well as partner brands.
• Annual fee: A joining fee as well as renewal fees are apply to the Tata Neu Card.
• Foreign Currency Markup: A Foreign currency Markup charge apply on the international usage of the card.
• Frequency of usage: Doesn’t ideal for the users who don’t need to shop or use frequently with Tata brands.

Tata Neu Credit Card vs. Other HDFC Cards

Here we are going to compare the Tata Neu Credit Card with other HDFC Credit Cards which is commonly use by the users.

Is Tata Neu Credit Card Worth It?

For the users who are frequently shopping with Tata brands is an excellent choice of Tata Neu Credit Card. They offers 5% NeuCoins substantial savings as well as discounts on flights, hotels as well as offline stores of Tata company. But if you are not regular or frequent user of Tata store then, other HDFC cards like Millennia or Regalia might be better option for you.

Conclusion

Tata Neu Credit Card is one of the powerful financial tool for the loyal Tata group customers. It offers high rewards, discounts, and seamless integration with the Tata Neu app. If you are frequent user of the Tata group customers then this card can help you in the savings.

Additional information: If you are a student and want to for the student loan then read our another article. if is for your reference. Click here to read personal loan for students.

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