The Tata Neu Plus HDFC Bank Credit Card Review highlights one of India’s most rewarding lifestyle credit cards for Tata Neu App users.
This co-branded card by Tata and HDFC Bank offers exclusive NeuCoin rewards on shopping, travel, and groceries.
It’s tailor-made for Tata Neu App users who shop on platforms like BigBasket, Croma, Air India, Titan, Tanishq, IHCL, Westside, and more.
With this card, every purchase earns NeuCoins — Tata’s unified reward currency — usable across the Tata Neu ecosystem.
🟩 Tata Neu Plus HDFC Bank Credit Card Review – Key Highlights
| Feature | Details |
|---|---|
| Issuer | HDFC Bank |
| Network | Visa / RuPay |
| Joining Fee | ₹499 + GST |
| Annual Fee | ₹499 + GST (waived on ₹1 Lakh spend) |
| Welcome Benefit | 499 NeuCoins (worth ₹499) |
| Reward Currency | NeuCoins (1 NeuCoin = ₹1) |
| Reward Rate | Up to 7% on Tata Neu App spends |
| Lounge Access | 4 Domestic visits per year |
| Best For | Regular Tata brand shoppers & travelers |
✨ Key Benefits of Tata Neu Plus Credit Card
- 🛒 Up to 7% NeuCoins on Tata Neu App spends (Croma, BigBasket, Air India etc.)
- 💻 2% NeuCoins on other online purchases
- 🏬 1% NeuCoins on offline spends
- ✈️ Free Domestic Lounge Access (1 per quarter)
- 💰 Annual Fee Waiver on ₹1 Lakh spend
- 🎁 Welcome Bonus: 499 NeuCoins
- 💳 UPI Payments Supported (for RuPay variant)
💰 Rewards & NeuCoins Explained
- 7 NeuCoins per ₹100 on Tata Neu App purchases
- 2 NeuCoins per ₹100 on other online transactions
- 1 NeuCoin per ₹100 on offline spends
- NeuCoins auto-credited to your Tata Neu wallet every month
- 1 NeuCoin = ₹1, redeemable on Tata Neu App for shopping, flights, or bill payments
💡 Pro Tip: Always make payments through the Tata Neu App to get the highest reward rate.
Overall, the Tata Neu Plus HDFC Bank Credit Card Review highlights strong rewards for Tata Neu users.
🧾 Eligibility & Documents Required
Eligibility:
- Indian citizen, aged 21–60 years
- Salaried: minimum ₹25,000/month income
- Self-employed: minimum ₹6 lakh annual income
- Good CIBIL score (700+)
Documents: PAN, Aadhaar, address proof, and income proof
💳 Fees & Charges
| Fee Type | Amount |
|---|---|
| Joining Fee | ₹499 + GST |
| Renewal Fee | ₹499 + GST (waived on ₹1 Lakh spend) |
| Finance Charges | 3.6% per month (43.2% p.a.) |
| Cash Advance Fee | 2.5% (min ₹500) |
| Late Payment Fee | ₹100 – ₹1,300 |
| Foreign Mark-up | 3.5% of transaction amount |
✅ No hidden charges — transparent reward and fee structure.
⚖️ Pros & Cons
Let’s summarize this Tata Neu Plus HDFC Bank Credit Card Review with a quick look at pros and cons.
| Pros | Cons |
|---|---|
| ✅ High reward rate within Tata Neu ecosystem | ❌ Rewards limited to Tata Neu usage |
| ✅ Annual fee waiver on ₹1 Lakh spend | ❌ No international lounge access |
| ✅ Free domestic lounge access | ❌ No fuel surcharge waiver |
| ✅ Welcome bonus worth ₹499 | ❌ Not ideal for non-Tata users |
| ✅ UPI support (RuPay variant) | ❌ Limited universal cashback |
🚀 How to Apply for Tata Neu Plus Credit Card
1️⃣ Download the Tata Neu App or visit the official HDFC Bank website
2️⃣ Go to Finance → Credit Cards → Tata Neu Plus
3️⃣ Click Apply Now and complete e-KYC
4️⃣ Enter your Referral Code: DEEP9186 for exclusive benefits
5️⃣ Get instant approval and start using your digital card immediately
👉 Apply Now:
🎁 Tata Neu Credit Card Referral Code: DEEP9186
Looking to apply for the Tata Neu HDFC Bank Credit Card with a special offer?
Use my Tata Neu Referral Code: DEEP9186 during signup or apply directly using this link 👇
🔗 Apply Here:
✅ Benefits of using this referral code:
- Zero joining fee offer
- Welcome bonus NeuCoins
- Instant digital approval
- Exclusive Tata Neu deals
💡 Tip: Apply via the Tata Neu App for quick approval and instant virtual card access.
🎯 Who Should Get This Card?
✅ Ideal for:
- Frequent users of Tata Neu brands (BigBasket, Croma, Air India etc.)
- Everyday online shoppers seeking consistent rewards
- Salaried professionals who want a ₹499 annual card with high-value returns
❌ Not ideal for:
- Users who shop mostly outside the Tata Neu ecosystem
- Those looking for direct cashback or fuel benefits
As mentioned in this Tata Neu Plus HDFC Bank Credit Card Review, NeuCoins make every purchase rewarding.
⭐ Final Verdict: Tata Neu Plus HDFC Bank Credit Card Review
The Tata Neu Plus HDFC Bank Credit Card is one of the best value cards for those who frequently shop within the Tata ecosystem.
It combines strong rewards, easy redemption, and free lounge access — all for a minimal fee that’s easily waived with regular usage.
In this Tata Neu Plus HDFC Bank Credit Card Review, it’s clear that this card delivers unmatched value for Tata ecosystem users
💳 Verdict: ⭐ 4.5 / 5
Excellent for Tata shoppers and travelers; a must-have for Tata Neu users.
Overall, this Tata Neu Plus HDFC Bank Credit Card Review shows that the card is perfect for Tata shoppers.
💬 FAQs
Q1. Is the Tata Neu Plus Credit Card lifetime free?
No, but the annual fee of ₹499 is waived on ₹1 lakh annual spend.
Q2. What is the value of 1 NeuCoin?
1 NeuCoin = ₹1, redeemable across Tata Neu partner stores.
Q3. Can I use NeuCoins outside Tata Neu App?
No, redemption is limited to Tata Neu ecosystem platforms.
Q4. How do I access airport lounges?
You get 1 complimentary domestic lounge visit per quarter on Visa variant.
Q5. How does this compare to the Tata Neu Infinity Card?
Infinity offers 10% rewards but costs ₹1,499/year — best for premium spenders.
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