Tata Neu HDFC Credit Card Benefits, Eligibility, Fees & Offers January 2026

Quick Overview

💳

Network

RuPay

💰

Joining Fee

₹1,499

⏱️

Processing Time

7-10 working days

📈

Min Income

₹5,00,000 annually

Pros & Cons

✅ Pros

✓ Up to 10% NeuCoins on Tata ecosystem brands
✓ 1.5% NeuCoins on UPI transactions via Tata Neu
✓ Comprehensive digital rewards program
✓ No redemption fee on NeuCoins
✓ Quarterly lounge access benefit
✓ Strong rewards on bill payments
✓ Integrated with Tata Digital ecosystem

❌ Cons

✗ High annual fee of ₹1,499
✗ Rewards capped at ₹2,000 per month on utilities
✗ Limited to Tata ecosystem for maximum benefits
✗ UPI rewards reduced to 0.25% for non-Tata apps
✗ Complex reward structure
✗ Fee waiver requires high spending of ₹3,00,000

🎯 Best For

Tata ecosystem frequent users Digital payment enthusiasts UPI transaction heavy users Online shopping regulars Bill payment through digital apps Young professionals with high spending

About This Card

The Tata Neu HDFC Credit Card is a reward-focused card that offers exceptional value on Tata ecosystem purchases. With up to 10% NeuCoins on partner brands and comprehensive UPI rewards, this card is designed for modern digital spenders who frequently use Tata services.

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Key Features

🎁
Tata Ecosystem Rewards
Up to 10% NeuCoins on BigBasket, Tata CLiQ, Air India, and other Tata brands
🎁
UPI Rewards
1.5% NeuCoins on Tata Neu UPI, 0.25% on other UPI apps
🎁
Bill Payment Benefits
5% NeuCoins on utility bills via Tata Neu app
🎁
Lounge Access
Quarterly domestic lounge access at airports
🎁
Digital Integration
Seamless integration with Tata Digital ecosystem
🎁
Contactless Payments
Secure contactless payments with RuPay technology

Reward Program

Tata Ecosystem

BigBasket, Tata CLiQ, Air India, and other Tata brands

Up to 10% NeuCoins

UPI via Tata Neu

All UPI transactions through Tata Neu app

1.5% NeuCoins

Other UPI

UPI transactions via other apps

0.25% NeuCoins

Bill Payments

Utility bills via Tata Neu app (capped at ₹2,000/month)

5% NeuCoins

Other Spends

All other eligible transactions

1% NeuCoins

Fees & Charges

Annual Fee

₹1,499

Joining Fee

₹1,499

Cash Advance

2.5%

Late Payment

Up to ₹1,300

Forex Markup

3.5%

Eligibility Criteria

Age

21-65 years

Income

₹5,00,000 annually

Credit Score

750+ preferred

Employment

Salaried/Self-employed

📄 Required Documents

📄 PAN Card
📄 Aadhaar Card
📄 Salary Slips
📄 Bank Statements
📄 Form 16/ITR
📄 Address Proof

Frequently Asked Questions

What is the annual fee for Tata Neu HDFC Credit Card? +

The annual fee for Tata Neu HDFC Credit Card is ₹1,499 with a joining fee of ₹1,499. Some cards may waive the annual fee based on spending criteria or for the first year.

What welcome bonus do I get with Tata Neu HDFC Credit Card? +

New Tata Neu HDFC Credit Card cardholders can earn 1,499 NeuCoins as welcome gift. This welcome offer is typically available for a limited time and subject to meeting minimum spending requirements.

What cashback rates does Tata Neu HDFC Credit Card offer? +

Tata Neu HDFC Credit Card offers Up to 10% NeuCoins. The cashback rates may vary by category and spending patterns, providing excellent value for everyday purchases.

What are the eligibility criteria for Tata Neu HDFC Credit Card? +

To be eligible for Tata Neu HDFC Credit Card, you need a minimum income of ₹5,00,000 annually. Additional criteria may include age requirements, credit score, and employment status. Contact for complete eligibility details.

How long does it take to get Tata Neu HDFC Credit Card approved? +

The typical processing time for Tata Neu HDFC Credit Card is 7-10 working days. Processing times may vary based on document verification and credit assessment. You may receive instant approval for pre-approved applications.

How can I apply for Tata Neu HDFC Credit Card? +

You can apply for Tata Neu HDFC Credit Card online through our secure application process. The application is quick and convenient, requiring basic personal and financial information.