TATA Neu credit card offers 10% cashback on Tata brands, lounge access, UPI rewards & ₹1,499 bonus. Is it worth applying?
What is the benefit of TATA Neu credit card HDFC
The Tata Neu Credit Card HDFC Bank is an extremely popular offering from HDFC Bank. The reason for its popularity is that it offers substantial benefits across almost every spending category. By using this card, you can earn up to 10% in cashback. Additionally, the card provides access to airport lounges.
We will discuss this card in details by the end, it will be crystal clear whether you should apply for this card or give it a pass. Furthermore, if you are interested in applying, I have provided the application link in the Bottom.
Table of Contents
Welcome Bonus – Instant ₹1,499 Benefit Of Tata Neu credit card
To begin with, as soon as you acquire this card, you are welcomed with a bonus of 1,499 Tata Neu credit card Coins.
Value of NeuCoins Explained
With this card, the value of a single NeuCoins is equivalent to ₹1. This means that the moment you receive the card, you instantly gain a benefit worth ₹1,499 right at the outset.
Eligibility Condition for Welcome Bonus
To avail of this, you need to complete one small task within the first 30 days of the card being issued to you, you must make at least one transaction using the credit card.
This is hardly a difficult feat, something you can accomplish with ease. Once you complete this step, you will immediately receive the welcome benefit worth ₹1,499.
Cashback on Tata Brands – Core USP of the Card
The second major benefit offered by this credit card, which also serves as its primary USP, is as follows:
5% Cashback on Tata Group Brands
if you use the card to make purchases across various Tata brands, you will earn 5% cashback.
List of Eligible Tata Brands
There is a wide array of options available, including
- Tata 1mg,
- Big Basket
- Croma,
- Air India Express
- Tata CLiQ
- Qmin
- Tata Play
- Titan
- Tanishq and
- Air India.
How to Earn Up to 10% Cashback Using Tata Neu App
However, as mentioned at the , you actually have the potential to earn up to 10% cashback. So, how do you unlock that higher rate?
Extra 5% Cashback via Tata Neu App
If you make purchases at these same outlets specifically through the Tata Neu credit card Tata Neu app, you will receive an additional 5% benefit on top of the standard cashback. So, if you are going to be spending anyway, using their new app will get you a benefit of 5% plus 10%.
Cashback on Non-Tata Brand Spending
The next benefit you receive here applies to non-Tata brands. This means that aside from all the Tata brands I previously mentioned,
1.5% Cashback on All Other Categories
if you use this credit card anywhere else, you will earn 1.5% cashback on your total spending.
RuPay UPI Cashback Benefit
Additionally, this Tata Neu credit card is available in the Ru-Pay variant.
1.5% Cashback on UPI Payments
Consequently, if you wish to perform UPI transactions through any application, whether it be Google Pay, Phone Pay, or any other platform, you will receive 1.5% cashback on those UPI transactions as well.
Monthly UPI Cashback Limit
However, it is important to note that they have imposed a limit on UPI transactions: you can earn a maximum of 500 Neo-Coins per month through this channel. So, this is truly amazing! You get 10% cashback on Tata brands, all of which are highly useful, and 1.5% cashback on all other categories. You can easily maximize that 10% cashback benefit.
Low Forex Markup for International Transactions
The next benefit offered by this credit card is a low foreign exchange markup fee.
Comparison with Standard Forex Charges
Typically, if you use a Tata Neu credit card to conduct transactions in any foreign currency, most credit cards charge a foreign exchange markup fee of 3.5%. However, the Forex markup fee for this specific credit card is significantly lower; you only have to pay 2%. This translates to a saving of 1.5% on all your international transactions. If you frequently spend internationally, you understand just how substantial the savings can be when you save 1.5% on your expenses.
Airport Lounge Access Benefits
The final benefit offered here is something that everyone absolutely needs in today’s world. While this feature has started appearing in almost every credit card, it is often accompanied by specific terms and conditions.
Domestic Airport Lounge Access
This Tata Neu credit card, you receive it without any strings attached. Many of you have likely already guessed what this benefit is. I am referring to the airport lounge access benefit. With this Tata Neu credit card, you receive a total of eight complimentary domestic airport lounge accesses per year. With absolutely no spending criteria attached, you can avail of two complimentary domestic airport lounge accesses per quarter.
How Lounge Access Works
For those unfamiliar with this benefit, explain: whenever you travel by air, airports typically feature lounges where you can enjoy premium-quality food, eat as much as you desire, completely free of charge. You can also enjoy unlimited coffee and juices, and Wi-Fi access remains available for your use, allowing you to rest comfortably until it is time for your flight.
International Airport Lounge Access
Additionally, this card offers access to international airport lounges; you are entitled to four complimentary international airport lounge accesses per year. You can avail of this specific benefit once per quarter. Whether you are traveling domestically or internationally, you receive access to both domestic and international airport lounges without any restrictive terms and conditions.
Fuel Surcharge Waiver – Save Up to ₹6,000 Annually
The next benefit offered by this Tata Neu credit card allows you to generate savings of up to ₹6,000 per year. Specifically, if you use this credit card to refuel at any fuel station across India, provided the transaction value falls between ₹400 and ₹5,000, you will receive a 1% fuel surcharge waiver.
Monthly and Transaction Limits
The maximum benefit you can avail in a single month is capped at ₹500, meaning you can enjoy total annual fuel benefits of up to ₹6,000 with this credit card.
Zero Loss Card Liability Feature
The final benefit featured in this Tata Neu credit card is the ‘Zero Loss Card Liability’ feature, which allows you to use your credit card with complete peace of mind. This means that should your credit card ever get lost or stolen and any fraudulent transactions subsequently occur using the card, you need not worry at all. You simply need to place a single call to the bank to report the loss of your card. Subsequently, if any fraudulent transaction occurs using the card, you can remain completely worry-free; you will not be held liable for it whatsoever.
Lifetime Free Offers & Community Updates
Now, here is an important point:
This applies to any card whether you receive it as a “lifetime free” offer, or if it presents a special, limited-time promotion the details of which, more often than not, you remain completely unaware of We promptly share all relevant updates on this website so that you can take full advantage of the benefits and this service is completely free of charge. I have provided the links in the description below; you can join our Telegram and WhatsApp channels there. Rest assured, you will derive significant value from joining.
Fees, Eligibility, and Application Process
Joining and Renewal Fees
If you wish to obtain the Tata Neu credit card, you will be required to pay a joining and renewal fee of ₹1,499.
Eligibility Criteria
Regarding eligibility, you must possess a PAN card, as well as valid proof of identity and proof of address.
How to Apply for the Card
I have included the link to apply for the card in the bottum; you can submit your application directly through that link. There is a very high probability that your card application will be approved.
Frequently Asked Questions (FAQ)
1. What is the Tata Neu credit card?
The Tata Neu credit card is a cashback credit card by HDFC Bank that offers up to 10% cashback on Tata brands, plus rewards on UPI and other spends.
2. How can I earn 10% cashback on the Tata Neu credit card?
You earn 5% cashback on Tata brands by default. When you shop on the Tata Neu app, you get an additional 5%, taking total cashback up to 10%.
3. Does the Tata Neu credit card give cashback on UPI payments?
Yes. The RuPay variant of the Tata Neu credit card offers 1.5% cashback on UPI payments, capped at 500 NeuCoins per month.
4. Is airport lounge access free on the Tata Neu credit card?
Yes. The card provides 8 free domestic lounge visits per year and 4 international lounge visits, with no minimum spending requirement.
5. What is the joining and renewal fee for the Tata Neu credit card?
The Tata Neu Infinity credit card has a ₹1,499 joining and renewal fee, though it is often offered as lifetime free during promotions.
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