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 joining fee offer, lounge, and other features.
In this detailed Tata Neu Credit Card review, we’ll first compare Infinity vs Plus variant to help you understand which variant offers better value for you and then we will share the difference in the features of HDFC vs SBI .
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 Variant: Infinity vs Plus
For Tata brand loyalists, the Tata Neu Credit Card is one of the best options for maximizing rewards on Tata purchases. It is available in two variants:
- Tata Neu Infinity Credit Card, and
- Tata Neu Plus Credit Card
Both the variants have 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 |
5% NeuCoins on Shopping through Tata Neu App |
2% NeuCoins on Shopping through Tata Neu App |
| Bill Payment Rewards |
5% NeuCoins on Bill or Insurance payment through Tata Neu App |
2% NeuCoins on Bill or Insurance payment through Tata Neu App |
| Tata Brands Rewards |
5% NeuCoins on spends on Tata brands |
2% NeuCoins on spends on Tata brands |
| UPI Rewards (RuPay Network) |
1.5% NeuCoins on UPI payments through Tata Neu App |
1% NeuCoins on UPI payments through Tata Neu App |
| Other Spend Rewards | 1.5% NeuCoins | 1% NeuCoins |
| Airport Lounge | 8 Domestic + 4 International | 4 Domestic |
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
Now, let’s get back to our main question: the difference between bank variants. 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 banks offer same rewards and benefits structure with Tata Neu’s 2 different card variants (Infinity and Plus) but there are some differences in their joining fee offer, lounge and other features. We have shared the key differences between both the bank variants below.
| 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 with a referral to earn a signup bonus. | No option to enter referral code, so, no signup rewards. |
| Lifetime Free (LTF) Conversion | HDFC is generally more flexible when converting cards to LTF status. | LTF conversion is generally less flexible. |
| Claiming Lounge Access | 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) |
| Apply Now | Apply for HDFC | Apply for SBI |
Choosing the right bank depends on your relationship with the bank and eligibility. But, these differences in features make HDFC Bank a better choice than SBI Bank.
Checkout our HDFC Tata Neu Card Referral Code SAUR1137 blog for signup offer.
What about eligibility?
HDFC publishes different income requirements for Infinity and Plus. SBI Card uses its own internal eligibility and approval criteria. Therefore, being eligible for one issuer does not necessarily mean you’ll be approved by the other.
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.
Payment Network: RuPay or VISA?
Tata Neu Credit Cards are issued on 2 payment networks: RuPay and VISA.
RuPay
- Enables ease of payments through UPI. Pay at any store through Merchant QR.
- You can claim 1.5% cashback on merchant payments through Tata Neu App UPI even on small, local merchants (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 variants have their 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.
Domestic and International Airport Lounges
The Tata Neu Credit Card not only rewards you generously for shopping and bill payments, but also offers up to 8 domestic and 4 international lounge visits per year, depending on the variant. Complimentary domestic lounge access is linked to a minimum spend requirement.
Tata Neu Infinity Variant
8 Domestic + 4 International Lounge
(2 domestic lounge visits per quarter on reaching the milestone spends in the previous quarter decided by bank)
Tata Neu Plus Variant
4 Domestic Lounge Access
(1 domestic lounge visit per quarter on reaching the milestone spends in the previous quarter decided by bank)
SBI Bank Variant requires a minimum spend of ₹75,000 in the previous quarter for the Infinity variant domestic lounge access while a minimum spend of ₹50,000 in the previous quarter to qualify for the Plus variant domestic lounge access.
HDFC Bank Variant requires a minimum spend of ₹50,000 in the previous quarter to qualify for domestic lounge access on both the Infinity and Plus variants.
Note: Access to domestic lounges has a minimum spend requirement but there is no requirement to claim international lounge access.
Forex Markup (2% + GST):
The Tata Neu Card Infinity variant charges 2% + GST on international spends, making it a decent choice for international online transactions and overseas travel.
Tata Neu Membership Tier (NeuPass)
NeuPass is a loyalty or rewards program from Tata Neu allowing users to tier up and earn more NeuCoins as you shop more.
Tata Neu has 4 membership tiers under this program starting with Explorer and moving up to Insider, Elite and Legend at the top.
- Your tier is determined by your spends and number of transactions over the last 365 days on the Neu App. Higher tier offers the best additional cashback plus maximum benefits (check the screenshot added below for reference).
- Alternatively, you can also get your tier upgraded with total Finance Relationship Value of ₹3,00,000 or more.
Checkout the NeuPass section of the Tata Neu app for complete details.
NeuCoins: The Tata Neu Reward Points
NeuCoins are Tata Neu’s reward currency. You earn NeuCoins for spends on Tata Neu App, for participating in promotional campaigns and Tata Neu Credit Card Referrals.
You also earn NeuCoins on eligible spends through Tata Neu Credit Card. NeuCoins earned on eligible card spends are accumulated and credited within 5 days of card 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 on the Tata Neu App or with any participating partner Tata brands, both online and 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.
Cult Conclusion: Which Tata Neu Card Should You Choose?
Step 1 — Choose the variant
- Infinity: You spend heavily on Tata brands and want maximum rewards.
- Plus: You want a lower annual fee and have moderate Tata spending.
Step 2 — Choose the network
- RuPay: You want credit-card UPI.
- Visa: You don’t need UPI and prefer Visa.
Step 3 — Choose the issuer
- HDFC: Better if you qualify and value its referral/promotional offers and lower Infinity lounge threshold.
- SBI: Worth considering if its eligibility or offer works better for you.
My Pick
Tata Neu Infinity HDFC Bank RuPay
This is what I would recommend to a regular Tata Neu spender who can justify the Infinity fee and wants UPI functionality.
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.
Checkout the Tata Neu Referral Blog to understand the signup steps to apply for the Tata Neu Credit Card and claim the signup bonus.
Frequently Asked Questions (FAQs)
For most users, HDFC is preferable if you are eligible and can take advantage of its promotional/referral offers. HDFC Infinity also currently has a lower domestic lounge spend requirement than SBI Infinity.
Infinity is better for users who spend significantly with Tata Neu and Tata brands. Plus is better if you want a lower annual fee.
For most users, yes. RuPay enables eligible credit-card UPI payments, while Visa does not.
1 NeuCoin is worth ₹1 when redeemed through eligible Tata Neu/Tata brand channels.
No. It is most valuable for people who regularly spend within the Tata ecosystem.
Pingback: Tata Neu Card Referral Code SAUR1137 | Earn 1,000 NeuCoins