HDFC Tata Neu Plus Credit Card – Rewards, Features & Benefits

Are you a Tata Neu app user?  

Then, unlock the true value of this app with the HDFC Tata Neu Plus credit card. Designed exclusively for you, it rewards your everyday spending with NeuCoins that are valuable and easy to redeem. Let us dive into all the rewards, charges and smart tips to get the most out of this card.

Earn Exciting Rewards on the  HDFC Tata Neu Plus Credit Card 

Additionally, you can earn:

• 2% NeuCoins on all non-EMI spends on Tata Neu and selected Tata brands, such as Tata 1MG, Bigbasket, Croma, Tata CLIQ, Westside, etc.   
• 1% NeuCoins on any Merchant EMI and non-Tata brand spends. 
• 5% additional NeuCoins on all non-EMI spends after registering for Neu Pass via the Tata Neu app. 
• 0.25% NeuCoins on UPI transactions, excluding fuel, wallet top-ups, rental, online gaming and governmental transactions.  
• 0.75% additional NeuCoins on eligible UPI spends via the Tata Neu UPI ID. 

Applicable Charges on HDFC Tata Neu Plus Credit Card   

Type of Charges	Amount (₹)
Joining Fee	499 + GST
Renewal Fee	499 + GST
Cash Advance Fee	2.5% or 500 (whichever is higher)
Balance Transfer Fee	1% of the amount of 250 (whichever is higher)
Cash Processing Fee	100

Note: Tata Neu Plus Credit Card annual fee will be waived off if you spend ₹1,00,000 in the preceding year.  

Things to Remember About NeuCoins Earned on HDFC Tata Neu Plus Credit Card

• NeuCoins earned on UPI transactions are capped at 500 per calendar month.  
• Spending on Tanishq, Air India, Cult.fit, Tata Play and Bill Payment (Tata Pay) are not eligible for 5% additional NeuCoins. 
• Only the primary holder can have access to 5% additional NeuCoins. 
• A maximum of 1,000 NeuCoins per month can be earned on grocery transactions. 
• NeuCoins on utility, telecom and cable spends are capped at 2,000 per month.  
• Education payments made through the POS machine using the Tata Neu Plus credit card are only eligible for NeuCoins. 
• A maximum of 2,000 NeuCoins per month can be earned on insurance payments. 

How Do NeuCoins on the HDFC Tata Neu Plus Credit Card Work? 

Here is an example of how this process works:

Categories	Monthly Expense	Applicable Rewards	NeuCoins Earned (Approx.)
Bigbasket Groceries	₹7,500	2% + 5%	525
Croma electronics	₹6,500	2% + 5%	455
Tata 1MG medicine	₹3,500	2% + 5%	245
Other expenses	₹5,000	1%	50

Total NeuCoins earned in a month, as per the above scenario, is 1,275. 

Since 1 NeuCoin equates to ₹1, you have earned ₹1,275 just by focusing all your spending on the Tata Neu Plus credit card.  

And the savings do not stop here! With the Tata Neu Plus credit card, you also get a 1% surcharge waiver on all fuel spent between ₹400 and ₹5,000 ( capped at 250 per month).

3 Ways to Redeem NeuCoins on HDFC Tata Neu Plus Credit Card   

1. Tata Pay

You can choose Tata Pay as your digital payment option when paying out and redeem your desired number of NeuCoins without any hassle. However, this payment process works on eligible brands such as Bigbasket, Croma, IHCL Hotels and Tata Neu. 

2. Loyalty Points

While placing your order on Tata CLIQ or Tata 1MG, you can also use your earned NeuCoins by choosing NeuCoins as your payment option. Note that if you are redeeming the coin via the  Tata Neu app, then this process also applies to Titan and Tanishq purchases. 

3. Offline Stores

If you are shopping at Croma, Westside or checking in at any IHCL hotel, provide your Tata Neu-registered mobile number to the cashier and the amount you wish to redeem using points. You will receive an OTP. Verify it to pay with NeuCoins. 

Other HDFC Tata Neu Plus Credit Card Benefits  

1. Domestic Lounge Access

If you spend ₹50,000 or more in a calendar quarter, you receive a complimentary domestic lounge access voucher. You can earn up to 4 vouchers per year. 

2. SmartEMI

Large purchases can be converted into easy EMIs at an interest rate of 0.99% per month, making high-value spends manageable. 

3. Zero Liability on Lost Card: 

If you report a lost card immediately, you are protected from fraudulent transactions made on your credit card.  

Who Should Apply for HDFC Tata Neu Plus Credit Card?   

This card is ideal for: 

• Frequent Tata Neu app users 
• Families with monthly household expenses 
• Users who prefer an easy-to-understand rewards structure 
• Travellers looking for occasional lounge access 

If you regularly spend on Tata services, the Tata Neu Plus credit card from HDFC Bank practically pays for itself.

Smart Tips to Get the Most Out of HDFC Tata Neu Plus Credit Card  

Want to unlock the true power of your Tata Neu Plus Credit Card? 

Use these clever strategies to get maximum value from every swipe:  

• Prioritise Tata Ecosystem

The card is designed to reward you the most within the Tata ecosystem, so shifting even your small monthly spends can significantly boost your NeuCoins.  

• Club Deals with NeuCoins

During festive sales or Tata-exclusive events, NeuCoins become even more valuable. Combine ongoing offers with your earned NeuCoins to achieve bigger discounts. 

Suppose during a Croma Diwali Sale, you plan to purchase a smartphone worth ₹20,000. It has a flat 20% discount. If you use your earned 1,500 NeuCoins with the ongoing sale discount, you save ₹5500 (₹4,000 + ₹1,500). 

• Primary Payment Option

Set up the card as your primary payment method for essentials such as monthly groceries. These expenses help you accumulate NeuCoins steadily without extra effort. 

• Track Quarterly Spending

Instead of waiting till the end of a quarter, spread your spending wisely. A structured financial approach helps you achieve the ₹50,000 quarterly milestone with ease and enjoy your free lounge voucher without last-minute rush spending. 

• Verify NeuCoins Credit

Keeping an eye on your NeuCoins balance helps you catch missed credits early. If a transaction does not reward you, reporting it timely increases the chance of a quick resolution. 

• Avoid Cash Withdrawals

This card shines when it is used for purchases, not cash. ATM withdrawals come with fees, which can reduce your overall rewards value. Stick to swipes and digital payments to stay in the profit zone. 

• Maintain a Healthy CUR

Use less than 30% of your card limit to maintain an optimal Credit Utilisation Ratio. This improves your chances of getting a higher limit or even an upgrade to the Tata Neu Infinity credit card in the future. 

Never lose rewards to late fees or interest. Pay your Tata Neu Plus Credit Card bill through PICE for instant one-click payments. 

HDFC Tata Neu Plus Credit Card Eligibility Criteria  

Category	Salaried	Self-employed
Age	21 - 60	21 - 65
Monthly Income	₹25,000	₹6,00,000
Nationality	Indian	Indian

In addition to these, having a good CIBIL score increases your chances of approval and securing better credit limits. 

How to Improve the Tata Neu Plus Credit Card Limit? 

The Tata Neu Plus Credit Card limit is based on several factors, including:

• Your income 
• Existing loans
• Credit history
• Repayment behavior
• Internal bank policies

Initially, you may receive a moderate limit. However, with consistent usage and timely payments, banks often increase limits automatically or upon request. Stay in control of your repayment behaviour. Manage all your credit card payments in one dashboard with PICE.

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