Tata Neu Plus HDFC Bank Credit Card

The Tata Neu Plus HDFC Credit Card is a collaborative effort between Tata Group and HDFC Bank, offering exclusive benefits to individuals who have allegiance to both Tata Brands and HDFC Bank. When making purchases at Tata Brands, users can enjoy a 2% return on the transaction amount in the form of NeuCoins. The roster of renowned brand names includes Tata 1MG, Croma, Air Asia, Titan, Tanishq, and more.

Furthermore, this credit card provides a 1% cashback for expenditures on non-Tata brands. Cardholders are entitled to bonus NeuCoins as part of a welcome benefit. To enhance their NeuCoin earnings, users can take advantage of an attractive introductory offer while shopping on Tata Neu’s mobile app or website.

Key Highlights of Tata Neu Plus HDFC Credit Card

  1. Receive a welcome benefit of 499 NeuCoins upon registration.
  2. Earn 2% NeuCoins on purchases at Tata brands.
  3. Earn 1% NeuCoins on purchases at Non-Tata brands.
  4. Get an extra 5% NeuCoins back on Tata Neu app or website with Tata NeuPass registration.
  5. Enjoy free access to domestic airport lounges.
  6. Benefit from a 1% surcharge waiver on fuel transactions, up to Rs. 250 per month.

Features and Benefits of Tata Neu Plus HDFC Bank Credit Card

The Tata Neu Plus HDFC Bank Credit Card offers several features and benefits:

Earning NeuCoins:

1. 2% Back on Non-EMI Spends:

  • Earn 2% back as NeuCoins on purchases made with Tata Neu and partner Tata Brands.
  • Applicable only on non-EMI transactions.

2. 1% Back on Non-Tata Brand and EMI Spends:

  • Receive 1% back as NeuCoins on non-Tata brand spends.
  • Also applicable on any Merchant EMI transactions.

3. 1% Back on UPI Spends:

  • Get 1% back as NeuCoins on UPI spends, including partner Tata Brands.
  • Maximum of 500 NeuCoins per calendar month.

4. Additional 5% Back on Selected Categories:

  • Earn an extra 5% back as NeuCoins on specific categories on Tata Neu App/Website.
  • Requires downloading Tata Neu App and registering for Tata NeuPass.

Lounge Access:

1. Domestic Lounge Access:

  • Receive 4 complimentary domestic lounge accesses per calendar year (1 per quarter).
  • A fee of ₹2 (VISA/RuPay) applies for each lounge access.

2. Updated Lounge Access Information:

  • Updated eligible domestic lounge access list effective from May 15, 2023.
  • Refer to the provided link for more details.

3. Fuel Surcharge Waiver:

  • Enjoy a 1% fuel surcharge waiver at all fuel stations in India.
  • Valid on transactions between ₹400 and ₹5,000, with a maximum waiver of ₹250 per statement cycle.

4. Welcome Benefit:

  • Receive 499 NeuCoins on Tata Neu App, equivalent to the reversal of the 1st-year membership fees.
  • Applicable on the first transaction within 30 days of card issuance.

5. Renewal Offer: Spend ₹1,00,000 or more in a year to have the renewal fee waived off.

6. Contactless Payment:

  • Tata Neu Plus HDFC Bank Credit Card supports contactless payments.
  • Maximum contactless transaction limit without PIN entry is ₹5,000 in India. Input PIN for transactions equal to or exceeding ₹5,000 for security reasons.

Additional Features:

1. Zero Lost Card Liability: No liability for fraudulent transactions if the Tata Neu Plus HDFC Credit Card is reported lost immediately.

2. Interest-Free Credit Period: Enjoy up to 50 days of interest-free credit from the purchase date (subject to merchant charge submission).

3. Revolving Credit: Revolving credit available at a nominal interest rate.

Tata Neu Plus HDFC Bank Credit Card Fees and Charges

Explore the fee structure for the Tata Neu Plus HDFC Bank Credit Card and discover the financial advantages that come with it.

  1. Credit cardholders are charged a Rs. 499 fee for both joining and renewing the credit card.
  2. International transactions using the credit card require a payment of 3.5% of the transacted amount.
  3. Overdue amounts incur a monthly interest rate of 3.75%, equivalent to an annual rate of 45%.
  4. Cash advances are subject to a fee, the greater of Rs. 500 or 2.5% of the withdrawn amount.
  5. Each redemption request made by the cardholder carries a fee of Rs. 99.

Eligibility Criteria for Tata Neu Plus HDFC Bank Credit Card

Here are essential criteria for applying for an Tata Neu Plus HDFC Bank Credit Card:

Salaried Indian Nationals:

  • Age Requirement: Must be at least 21 years old and not exceed 60 years.
  • Income Criteria: Net monthly income should be above ₹25,000.

Self-Employed Indian Nationals:

  • Age Requirement: Minimum age of 21 years and a maximum age of 65 years.
  • Financial Criteria: Annual Income Tax Return (ITR) should be greater than Rs 6 Lakhs.

Documents Required for Tata Neu Plus HDFC Bank Credit Card

To apply for the Tata Neu Plus HDFC Bank Credit Card, you will typically need to provide the following documents:

1. Identity Proof:

2. Address Proof:

  • Passport
  • Driving License
  • Utility Bills
  • Ration Card

3. Income Proof:

  • Latest Bank Statements
  • Income Tax Return (ITR) filings
  • Salary Slips

How To Apply for Tata Neu Plus HDFC Credit Card?

Follow these steps to apply for the Tata Neu Plus HDFC Credit Card:

  1. Visit the official Tata Neu Plus website or HDFC Bank’s credit card application portal.
  2. Navigate to the section for credit card applications and select the Tata Neu Plus HDFC Credit Card.
  3. Fill out the online application form with accurate personal and financial details.
  4. Upload the required documents, including proof of identity, address, and income.
  5. Submit the application and await the bank’s review. Once approved, the credit card will be sent to your registered address.

Frequently Asked Questions (FAQs) –

Q: How can I apply for the Tata Neu Plus HDFC Bank Credit Card?

A: You can apply online by visiting the official Tata Neu Plus website or HDFC Bank’s credit card application portal. Fill out the application form with the required details and submit the necessary documents.

Q: What documents are needed for the Tata Neu Plus HDFC Credit Card application?

A: Commonly required documents include proof of identity, address, and income. These may include PAN card, Aadhaar card, utility bills, salary slips, etc.

Q: What are the key features of the Tata Neu Plus HDFC Credit Card?

A: The features may include rewards programs, cashback offers, discounts on Tata group purchases, travel benefits, and more. Refer to the specific terms and conditions for details.

Q: How long does it take for the Tata Neu Plus HDFC Card application to be processed?

A: The processing time can vary. Typically, it takes a few business days for the bank to review your application and provide a response.

Q: Can I check the status of my Tata Neu Plus HDFC Bank Credit Card application online?

A: Yes, you can usually check the status of your application on the official website or by contacting the bank’s customer service. Use the reference number provided during the application process.

Q: Are there any annual fees associated with the Tata Neu Plus HDFC Card?

A: Check the terms and conditions for the specific card, as fees can vary. Some cards may have annual fees, while others may offer a waiver based on spending patterns.

Q: How do I redeem rewards earned through the Tata Neu Plus HDFC Credit Card?

A: Redemption processes may vary. Typically, you can log in to the credit card portal or contact customer service to redeem rewards points for vouchers, discounts, or other benefits.

Q: What should I do if my Tata Neu Plus HDFC Bank Credit Card is lost or stolen?

A: Immediately report the loss to the HDFC credit card customer care service hotline. They will guide you through the process of blocking the card and issuing a replacement.

Q: Can I convert large purchases into EMIs using this credit card?

A: Many credit cards offer the option to convert significant purchases into easy monthly installments (EMIs). Check with the bank for specific terms and conditions related to this feature.

Q: Is there a helpline or customer support available for Tata Neu Plus HDFC Bank Credit Card users?

A: Yes, HDFC Bank typically provides a customer service helpline. Refer to the credit card documentation for the contact details or visit the official website.