HDFC Tata Neu

Product Overview

Eligibility Criteria

✔️ Applicant must be an Indian resident.

✔️ Age: 21–60 Years (Salaried).

✔️ Age: 21–65 Years (Self-Employed).

✔️ Salaried or Self-Employed Individual.

✔️ Stable source of income.

✔️ Good CIBIL Score (750+ preferred).

✔️ Subject to HDFC Bank's internal credit assessment and eligibility criteria.

Features and Benefits

✔️ Earn up to 5% NeuCoins on eligible purchases through the Tata Neu App and Tata partner brands.

✔️ Earn 1.5% NeuCoins on other eligible spends.

✔️ Welcome Benefit: 499 NeuCoins after completing the first transaction within the specified period.

✔️ UPI Payments supported through the RuPay variant.

✔️ Additional NeuCoins on purchases across:

BigBasket
Croma
Tata Cliq
Air India
Westside
Titan
Tanishq
IHCL Hotels
1mg and other Tata brands.

✔️ 1% Fuel Surcharge Waiver on eligible fuel transactions.

✔️ Contactless payment enabled.

✔️ Smart EMI facility available on eligible transactions.

Fees & Charges

✔️ Joining Fee: ₹499 + GST.

✔️ Annual Fee: ₹499 + GST.

✔️ Annual Fee Waiver: Spend ₹1,00,000 or more in a membership year.

✔️ Interest-Free Period: Up to 50 Days.

✔️ Cash Advance Charges: As per HDFC Bank schedule of charges.

✔️ Forex Markup Fee: 3.5%.

✔️ Late Payment Charges: As per HDFC Bank policy.

Documents Required

✔️ PAN Card

✔️ Aadhaar Card / Passport / Driving Licence

✔️ Address Proof

✔️ Income Proof (Salary Slip / Form 16 / ITR)

✔️ Bank Statements (Last 3–6 Months)

✔️ Passport-size Photograph (if required)

FAQs

Q1. What is the welcome benefit on Tata Neu HDFC Bank Credit Card?
Ans. Eligible cardholders receive 499 NeuCoins after completing the first eligible transaction.

Q2. What are NeuCoins?
Ans. NeuCoins are reward points that can be redeemed across Tata Neu and participating Tata brands.

Q3. Is UPI supported on this card?
Ans. Yes, the RuPay variant supports UPI payments.

Q4. Can the annual fee be waived?
Ans. Yes, by spending ₹1 lakh or more in a membership year.

Q5. Who should apply for this card?
Ans. Customers who frequently shop within the Tata ecosystem and want to earn NeuCoins on their purchases.

Terms & Conditions

✔️ NeuCoins are credited only on eligible transactions and participating Tata brands.

✔️ Fuel, rent, wallet loads, EMI transactions, and certain government payments may not earn rewards.

✔️ Annual fee waiver is applicable on achieving the required spending threshold.

✔️ NeuCoin redemption is subject to Tata Neu rewards program terms.

✔️ Approval is subject to HDFC Bank's credit assessment and verification process.