HDFC Tata Neu Rupay Credit Card: A Review
If you are looking for a credit card that offers extraordinary rewards and savings across a wide range of categories, you might want to consider the HDFC Tata Neu Rupay Credit Card. This is a co-branded credit card launched by HDFC Bank and Tata Neu, a digital platform that connects you to various Tata brands and services. In this blog post, I will share my experience and opinion about this credit card, and help you decide if it is worth applying for.
Features and Benefits
The HDFC Tata Neu Rupay Credit Card comes with a host of features and benefits that make it an attractive option for anyone who shops frequently on Tata Neu and partner Tata brands. Here are some of the highlights:
You get 10% back as NeuCoins on Tata Neu, which includes 5% back as NeuCoins on non-EMI spends, and an additional 5% back as NeuCoins with NeuPass membership on select categories. NeuCoins are reward points that can be redeemed for discounts, vouchers, or cashback on Tata Neu and partner brands. One NeuCoin is equivalent to one rupee.
You get 5% back as NeuCoins on non-EMI spends at partner Tata brands, both online and at stores. These include popular names like Croma, Star Bazaar, Westside, Tanishq, Titan, Voltas, Taj Hotels, and more.
You get 5% back as NeuCoins on every bill payment via Tata Neu, which covers utilities, mobile recharge, DTH, broadband, and more.
You get 1.5% back as NeuCoins on all other spends, both domestic and international. This includes non-Tata brand spends and any merchant EMI spends.
You get 1.5% back as NeuCoins on UPI spends, including spends on partner Tata brands. This is capped at 500 NeuCoins per calendar month.
You get 8 complimentary domestic lounge access per calendar year (2 in a quarter), and 4 complimentary international lounge access per calendar year (1 in a quarter) using Priority Pass. You can also enjoy exclusive offers on hotel stay and dining with your card.
You get 1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 5000, up to Rs. 500 per statement cycle.
You get zero lost card liability, foreign currency markup of 2%, and revolving credit facility with your card.
Fees and Charges
The HDFC Tata Neu Rupay Credit Card has a joining fee of Rs. 1499, which is waived off for a limited time period. The renewal fee is also Rs. 1499, which can be waived off if you spend Rs. 3 lakh or more in the preceding year. The interest rate is 3.49% per month, and the late payment fee ranges from Rs. 100 to Rs. 950 depending on the outstanding balance.
Eligibility and Application
To apply for the HDFC Tata Neu Rupay Credit Card, you need to have a good credit score and meet the income criteria set by HDFC Bank. You also need to have an existing relationship with HDFC Bank or Tata Neu. You can apply online through the HDFC Bank website or the Tata Neu app or website. You will need to submit your KYC documents and income proof along with your application.
My Experience and Opinion
I have been using the HDFC Tata Neu Rupay Credit Card for about two months now, and I am quite impressed with it. The rewards are generous and easy to earn and redeem. I shop a lot on Tata Neu and partner brands, so I get a lot of value from the card. The lounge access and travel offers are also nice perks that add to the overall experience.
The card is also easy to use and manage. The online portal and app are user-friendly and intuitive. The customer service is prompt and helpful. The card is accepted widely both in India and abroad.
The only downside I can think of is that the card does not offer any welcome benefit or milestone benefit, which would have made it more appealing. Also, some categories like fuel, wallet loads, smart EMI, rental, government related transactions, etc., do not earn any reward points.
Overall, I think the HDFC Tata Neu Rupay Credit Card is a great option for anyone who wants to save more while shopping on Tata Neu and partner brands. It offers extraordinary rewards across various categories, along with other benefits like lounge access, travel offers, fuel surcharge waiver, etc. The fees are reasonable and can be waived off with high spending. The card is also easy to apply for and use.
If you are interested in applying for this card, you can visit the HDFC Bank or Tata Neu website or app and fill in your details. You can also check out the other co-branded credit card from HDFC Bank and Tata Neu, which is the Tata Neu Plus Credit Card. This is a lower variant of the Tata Neu Infinity Credit Card, with lower fees and rewards.
I hope this blog post was helpful and informative. If you have any questions or feedback, please feel free to leave a comment below. Thank you for reading!
FAQs
What is Tata Neu RuPay credit card? Tata Neu RuPay credit card is a co-branded credit card offered by HDFC Bank in partnership with Tata Digital and RuPay. It is available in two variants: Tata Neu Plus and Tata Neu Infinity. The card allows you to earn NeuCoins, which are reward points that can be redeemed for various benefits across Tata Neu and partner Tata brands.
How can I apply for Tata Neu RuPay credit card? You can apply for Tata Neu RuPay credit card through the Tata Neu app or website1. You need to fill in your personal and income details, upload the required documents, and complete the verification process. You will receive an instant approval if you meet the eligibility criteria.
What are the eligibility criteria for Tata Neu RuPay credit card? To be eligible for Tata Neu RuPay credit card, you need to be a resident of India, have a minimum age of 21 years, and have a good credit score. You also need to have a minimum monthly income of ₹15,000 for Tata Neu Plus and ₹40,000 for Tata Neu Infinity.
What are the fees and charges for Tata Neu RuPay credit card? The joining fee for Tata Neu Plus is ₹499 and for Tata Neu Infinity is ₹1,499. However, there is a zero joining fee offer for a limited time period only1. The annual renewal fee is the same as the joining fee, but it can be waived off if you spend ₹1 lakh or more for Tata Neu Plus and ₹3 lakh or more for Tata Neu Infinity in the preceding year. The interest rate is 3.49% per month and the foreign currency markup is 2% on all your foreign currency spends.
How can I earn NeuCoins with Tata Neu RuPay credit card? You can earn NeuCoins on every spend with Tata Neu RuPay credit card. You can earn up to 5% back as NeuCoins on non-EMI spends on Tata Neu and partner Tata brands, 2% back as NeuCoins on bill payments via Tata Neu, 1.5% back as NeuCoins on other spends (domestic and international), and 1% back as NeuCoins on UPI spends (only for RuPay cards). You can also earn additional 5% back as NeuCoins on selected categories on Tata Neu app or website, after downloading Tata Neu app and registering for Tata NeuPass.
How can I redeem NeuCoins with Tata Neu RuPay credit card? You can redeem NeuCoins for various benefits across Tata Neu and partner Tata brands. You can use NeuCoins to get discounts, vouchers, cashback, gift cards, and more. You can also use NeuCoins to pay for your purchases on Tata Neu app or website. One NeuCoin is equivalent to ₹1.
What are the benefits of Tata Neu RuPay credit card? Tata Neu RuPay credit card offers you a range of benefits, such as:
Complimentary airport lounge access: You can enjoy up to 8 domestic and 4 international airport lounge access per annum with Tata Neu Infinity, and up to 4 domestic airport lounge access per annum with Tata Neu Plus2.
Exclusive offers on travel, dining, and hotels: You can avail exclusive offers on flight bookings, hotel stays, and dining experiences with Tata Neu RuPay credit card. You can also get discounts on car rentals, cabs, and bus tickets.
Zero lost card liability: If you lose your Tata Neu RuPay credit card, you can report it immediately to the 24-hour call centre and have zero liability on any fraudulent transactions made on your card.
Fuel surcharge waiver: You can get 1% fuel surcharge waiver on all your fuel transactions up to ₹500 per statement cycle.
Welcome benefit: You can get 499 NeuCoins on Tata Neu app as a reversal of your first-year membership fees for Tata Neu Plus, and 1,499 NeuCoins on completing your first transaction for Tata Neu Infinity.
How can I pay my Tata Neu RuPay credit card bill? You can pay your Tata Neu RuPay credit card bill through various modes, such as:
Net banking: You can register your Tata Neu RuPay credit card on HDFC Bank net banking and pay your bill online.
UPI: You can use any UPI app to scan the QR code on your credit card statement and pay your bill instantly.
Mobile banking: You can download the HDFC Bank mobile app and pay your bill using your debit card, net banking, or UPI.
NEFT/RTGS: You can use the NEFT or RTGS facility of any bank to transfer funds to your Tata Neu RuPay credit card account.
Cheque/draft: You can drop a cheque or draft in favour of your Tata Neu RuPay credit card number at any HDFC Bank branch or ATM.
How can I check my Tata Neu RuPay credit card balance and statement? You can check your Tata Neu RuPay credit card balance and statement through various modes, such as:
SMS: You can send an SMS to 5676712 from your registered mobile number with the keyword BAL <last four digits of your card number> to get your balance, and STMT <last four digits of your card number> to get your statement.
Email: You can register your email ID with HDFC Bank and get your monthly statement delivered to your inbox.
Net banking: You can log in to HDFC Bank net banking and view your balance and statement online.
Mobile banking: You can download the HDFC Bank mobile app and access your balance and statement on your phone.
Customer care: You can call the HDFC Bank customer care number 1800 266 4332 and follow the IVR instructions to get your balance and statement.
How can I contact the Tata Neu RuPay credit card customer care? You can contact the Tata Neu RuPay credit card customer care through various modes, such as:
Phone: You can call the HDFC Bank customer care number 1800 266 4332 and select the option for Tata Neu RuPay credit card queries. You can also call the Tata Neu customer care number 1800 266 2666 and select the option for credit card queries.
Email: You can write an email to customersupport@tatadigital.com or customerservices.cards@hdfcbank.com and mention your Tata Neu RuPay credit card number and query in the subject line.
Chat: You can chat with the Tata Neu customer care executive on the Tata Neu app or website and get your query resolved.
Branch: You can visit any HDFC Bank branch and speak to the credit card representative for any assistance.
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