Tata Neu Credit Card: Detailed Review
Card Fees:
₹1,499 (No Joining Fee)
Value back:
5% on Tata Neu Spends
Domestic Lounge:
2/Quarter (Spend based)
Reward Type:
NeuCoins (100% Value)
Payment Network
VISA or RuPay
If you think there is no difference between the HDFC and SBI variants of the Tata Neu Credit Card, you might be surprised. While both cards offer similar benefits, there are some important differences in their fees, lounge, and other features.
In this detailed Tata Neu Credit Card review, we’ll first compare Infinity vs Plus variant and then HDFC vs SBI to help you understand which variant offers better value for you.
So, which Tata Neu Credit Card should you apply for? Let’s find out!
Disclaimer: This blog contains referral links, which may earn us a commission at no additional cost to you. These rewards help support the maintenance of this website but don’t affect our review.
Tata Neu Credit Card: Infinity vs Plus
For Tata Loyalists, the Tata Neu Credit Card is currently the best credit card in the market. It is issued in two variants:
- Tata Neu Infinity Credit Card, and
- Tata Neu Plus Credit Card
Both the variants has major differences in their rewards and benefit structure which we have shared below.
| Particulars | Infinity Variant | Plus Variant |
|---|---|---|
| Joining Fee |
₹1,499 + GST FYF or 1499 NeuCoins Cashback |
₹499 + GST FYF or 499 NeuCoins Cashback |
| Annual Fee |
₹1,499 + GST (Waived on annual spends of ₹3 lakh or more) |
₹499 + GST (Waived on annual spends of ₹1 lakh or more) |
| Tata Neu Shopping Rewards |
Higher 5% NeuCoins on Shopping through Tata Neu App |
Lower 2% NeuCoins on Shopping through Tata Neu App |
| Bill Payment Rewards |
Higher 5% NeuCoins on Bill or Insurance payment through Tata Neu App |
Lower 2% NeuCoins on Bill or Insurance payment through Tata Neu App |
| Tata Brands Rewards |
Higher 5% NeuCoins on spends on Tata brands |
Lower 2% NeuCoins on spends on Tata brands |
| UPI Rewards (RuPay Network) |
Higher 1.5% NeuCoins on UPI payments through Tata Neu App |
Lower 1% NeuCoins on UPI payments through Tata Neu App |
| Other Spend Rewards |
Higher 1.5% NeuCoins on Other Spends |
Lower 1% NeuCoins on Other Spends |
| Airport Lounge |
8 Domestic + 4 International 2 + 1 per quarter (if spent more than ₹75,000 in previous quarter) |
4 Domestic 1 per quarter (If spent more than ₹50,000 in previous quarter) |
In short, Tata Neu Infinity is the premium variant with higher rewards and better benefits, while Tata Neu Plus is the lower-fee option for users with relatively lower spending. If you regularly spend across Tata brands, Infinity can offer significantly higher rewards and is generally the better option.
Tata Neu Credit Card: HDFC vs SBI
Currently, Tata Neu has partnered with 2 banks, HDFC and SBI, to issue Tata Neu Co-branded Credit Cards:
- Tata Neu HDFC Bank Credit Card, and
- Tata Neu SBI Bank Credit Card
Both the banks offer same rewards and benefits but they have some difference in their fee, lounge and other features.
Feature
| HDFC Variant |
SBI Variant |
|
|---|---|---|
| Joining Fee | Zero joining fee First Year Free |
NeuCoins equivalent to the joining fee are credited after payment. (GST is non-refundable) |
| Tata Neu Referral Offer | Sign up using a referral to earn reward bonuses. | No signup rewards available via referrals. |
| Lifetime Free (LTF) Conversion | HDFC is generally more flexible when converting cards to LTF status. | Minimal to no likelihood of LTF conversion. |
| Claiming Lounge Acess | HDFC provides lounge access through GyFTR QR Code is provided. |
You can directly claim Lounge Access through tap or swipe at lounge. |
| Airport Lounge Access | Includes metro cities and major domestic airports. View HDFC Lounge List (PDF) |
Excludes several major metro airport lounges. View SBI Lounge List (PDF) |
Note: HDFC Bank periodically runs promotional campaigns and festive offers providing Lifetime-Free (LTF) credit cards to eligible applicants. I personally applied during their promotional campaign (Tata Neu Rewards League) and got it LTF.
Tata Neu Credit Card: RuPay vs VISA
Tata Neu Credit Cards are issued on 2 payment networks: RuPay and VISA.
RuPay
- Enables ease of payments through credit card on UPI at stores through Merchant QR
- Claim 1.5% cashback on merchant payments through UPI up to ₹500 per month.
- Current RuPay Credit Card Offers
VISA
- You get VISA’s Signature variant
- Better for International Spends
- Current VISA Credit Card Offers
Both the variants has its own pros and cons. The choice of payment network depends upon your own preference and requirements.
Note: Tata Neu keeps rolling promotional offers rewarding the Tata Neu RuPay Credit Card holders the most during the promotional offers and rewards leagues.
NeuCoins: The Tata Neu Reward Points
NeuCoins are Tata Neu’s reward currency.
Tata Neu Credit Cardholders also gets rewarded with NeuCoins on eligible spends and payments on Tata Neu App or Partner Brands. These NeuCoins are credited within 5 days after statement generation.
NeuCoins will not be accrued for the following spends/transactions on the card
• Fuel Spends | Wallet loads / Gift or Prepaid Card load/ Voucher purchase
• Cash Advances | Payment of Outstanding Balances
• Payment of card fees and other charges | Smart EMI / Dial an EMI transaction
• Rental and Government related transactions
• With effect from 1st Sep 2024, NeuCoins will not be accrued for Education payments made through third-party apps
like (but not limited to) CRED, Cheq, MobiKwik, and others. However, education payments made directly through
college/school websites, or their POS machines will earn NeuCoins.
• With effect from 1st July 2025, NeuCoins will not be earned on Online Skill-Based Gaming transactions (MCC-5816)
What is the value of NeuCoins and How to redeem them?
Each NeuCoin equals one rupee and can be redeemed for shopping through Tata Neu App or Tata (partner) Brands (online or offline).
Note: You can’t transfer your NeuCoins into bank, pay bills or redeem them for gift vouchers.
Cult Tip: You can even redeem your NeuCoins for gold purchase either online (on Tata Cliq, Bigbasket or Tanishq) or offline (Tanishq).
Join our WhatsApp Channel: Good Deals Only for gold deals and offer alerts.
Airport Lounges
The Tata Neu Credit Card not just rewards generously for shopping and bill payments, it also offers up to 8 domestic and 4 international lounge per quarter depending upon its variant. Also, Complimentary Airport Lounge access is tied with a modest spend criteria.
Tata Neu Infinity Variant
8 Domestic + 4 International Lounge
(2 domestic and 1 international lounge per quarter on spends of ₹75,000 in previous quarter)
Tata Neu Plus Variant
4 Domestic Lounge Access
(Once per quarter on spends of ₹50,000 in previous quarter)
Forex Markup (2% + GST):
The Tata Neu Card Infinity variant charges 2% + GST on international spends, making it a decent choice for international online billing and overseas travel.
Cult Concludes: Is it Tata Neu Card worth Applying?
The Tata Neu Credit Card is a great option for those who shop frequently with Tata Group brands. It earns them NeuCoins on eligible spends that are fully redeemable without any minimum or maximum criteria. And that’s not just limited to rewards on shopping but also handsomely rewards the Bill and Insurance payments as well.
Which Variant Should You Choose?
- Choose Plus Variant: If you want a low cost and low rewarding credit card.
- Choose Infinity Variant: If you are a reward maximizer as this variant offers the maximum value back and better benefits on eligible spends.
Personally, I use and would recommend you to apply for the Tata Neu Infinity HDFC Bank RuPay Credit Card. It has the best benefits with the infinity variant, ease of payments with RuPay UPI and better features through HDFC bank.
Saurabh | Founder & Content Writer at CreditCult.in
For the last 7 years, I’ve been obsessed with the Indian credit ecosystem—testing cards, deconstructing reward programs, and finding the tiny loopholes banks don’t want you to see. I don’t just write about these accounts; I use them daily to ensure the advice I give is backed by real-world results.
Looking for a more of an all rounder card? Checkout our comparison blog: SBI Cashback vs SBI PhonePe Black Credit Card to find yourself the most suitable card for Online Spends.
Pingback: Tata Neu Card Referral Code SAUR1137 | Earn 1,000 NeuCoins