If you shop regularly on Tata Neu, BigBasket, Croma, Westside, Tata 1mg or fly Air India, you might have come across the Tata Neu HDFC Credit Cards at some point. HDFC Bank has collaborated with Tata Neu to roll out co-branded cards that convert your daily expenses into NeuCoins redeemable across the Tata ecosystem.
It has two variants – the entry-level Tata Neu Plus HDFC Credit Cardand the premium Tata Neu Infinity HDFC Credit Card. Both give you rewards on shopping within Tata brands. But differ in terms of fees, reward rates and perks like lounge access.
Tata Neu Plus HDFC Credit Card
Description
The Tata Neu Plus HDFC Credit Card is an entry-level card for regular Tata Neu shoppers who want decent rewards without a high annual fee. Apply and manage it directly through the Tata Neu app. All rewards are in NeuCoins, redeemable at ₹1 each across Tata Neu and partners.
Key Benefits
Tata Brand Rewards: Earn NeuCoins on BigBasket, Westside, Croma, IHCL hotels & more.
Flexible Redemption: Redeem your NeuCoins across Tata Neu, Air India, BigBasket, and other partner brands.
UPI Rewards: Earn NeuCoins even on UPI transactions — uncommon among Indian credit cards.
Travel Extras: Domestic lounge access and fuel surcharge waiver included.
Low Fee: Annual fee waived on ₹1 lakh yearly spend — effectively free for regular users.
Pros
Low joining and annual fee compared to the Infinity variant.
Decent reward rate (up to 7%) on Tata Neu spends.
Reward redemption value is straightforward - 1 NeuCoin = ₹1.
Earns rewards on UPI spends, which most cards don't offer.
Annual fee waiver is achievable for most regular users (₹1 lakh annual spend).
Welcome benefit effectively offsets the joining fee.
Cons
No international lounge access.
Foreign currency markup is relatively high at around 3.5%, making it expensive for overseas spending.
Base reward rate of 1% on non-Tata spends is fairly average compared to other reward cards.
Certain categories like fuel, wallet loads, rent, government payments, and online gaming don't earn NeuCoins at all.
There is a monthly cap on NeuCoins on grocery transactions, so if you are a big grocery shopper, you can easily max out.
Eligibility Criteria
Must be a resident of India.
Age: 21 to 65 years.
Minimum monthly income of ₹25,000 for salaried individuals or minimum annual ITR of ₹6,00,000 for self-employed individuals.
You will generally need a credit score of around 700 or higher.
Fees at a Glance
Joining Fee: ₹499 + applicable taxes.
Renewal Fee: ₹499 + applicable taxes, waived if annual spends cross ₹1 lakh in the preceding year.
Reissue Charges: ₹100 + applicable taxes for a replacement card.
Tata Neu Infinity HDFC Credit Card
Description
The Tata Neu Infinity HDFC Credit Card is the premium variant for heavy Tata ecosystem spenders who want higher rewards and lifestyle perks. It's essentially an upgraded Plus card — you pay more, but earn significantly more in return.
Key Benefits
Higher Earning: Get up to 10% value back on purchases from Tata Neu and 1.5% on all other spends.
Premium Travel: Domestic and international lounge access via Priority Pass for overseas travellers.
Insurance Cover: Air accident, overseas hospitalisation, and lost card liability cover included.
Welcome Bonus: 1,499 NeuCoins offset the first-year fee, making year one effectively free.
Lower Forex Markup: At 2%, international spending is cheaper than the Plus card's ~3.5%.
Best-in-class reward rate (up to 10%) on Tata Neu and partner brand spends among co-branded cards in this segment. International lounge access is a significant upgrade over the Plus variant. Strong travel insurance benefits bundled in at no extra cost. Welcome NeuCoins largely offset the joining/annual fee in the first year. Lower foreign currency markup makes it more travel-friendly. Reward rate on UPI spends (1.5%) is higher than the Plus card's 1%. Joining fee is zero, but the annual fee of ₹1,499 + taxes can only be waived on annual spends of ₹3 lakhs - a fairly high threshold for casual users. Lounge access usage involves small additional charges - for instance, a nominal fee per visit that gets reversed, plus charges if you exceed the complimentary quota. Certain categories like fuel, wallet, rent, government payments, and online gaming transactions don't earn NeuCoins. NeuCoins earned on grocery, utility, telecom and cable transactions are capped at 2000 per month, High spenders in these categories will not be rewarded proportionally beyond the cap. In some cases, access to domestic lounges is conditional and linked to a minimum quarterly spend (around ₹50,000). Primary applicant must be 21 years of age or older. Maximum age limit 60 Years for Salaried Persons & 65 Years for Self Employed Persons. Add-on cardholders must be at least 21 years old. A stable income source and good credit history are required, similar to other premium co-branded cards - generally a credit score of 700+ is recommended. Joining Fee: Nil (zero joining fee). Annual/Renewal Fee: ₹1,499 + applicable taxes, waived on annual spends of ₹3 lakhs. Foreign Currency Markup: 2%. The base variant (Tata Neu Plus card) gives you up to 7% NeuCoins on select Tata Neu spends, while the Infinity card, which has a higher annual fee, gives you up to 10% NeuCoins on select Tata Neu spends. The base reward rate on other categories like UPI spends is also slightly higher on the Infinity variant at 1.5% versus 1% on the Plus variant. If you're someone who: Shops occasionally on Tata Neu and its partner brands and wants a low-cost card with decent rewards → Tata Neu Plus is the practical pick. Spends heavily across Tata brands, travels internationally, and wants lounge access plus insurance cover → Tata Neu Infinity justifies its higher fee.Pros
Cons
Eligibility Criteria
Fees at a Glance
Feature of cards
Tata Neu Plus vs. Tata Neu Infinity - Which One Should You Pick?