Tata Neu Plus Credit Card Review: Unlock Amazing Rewards and Benefits with the Tata Neu Ecosystem

The Tata Neu Plus Credit Card is designed for loyal customers of the Tata ecosystem, offering attractive rewards and benefits across various Tata platforms. With generous cashback and NeuCoins on purchases, this card provides an excellent way to earn rewards for everyday spending. Here's a comprehensive review of the card’s features, benefits, and potential drawbacks.

Check our YouTube Channel As well for Tata Neu Plus Credit Card Unboxing and Review - Part 1 Click Here and Part 2 Click Here

For HDFC Bank TataNeu Plus/Infinity Credit Cards Apply Click Here (As per HDFC Bank Offer you can get Tata Neu Card as LTF until 31 Dec 2024)

Welcome Offer:

Upon receiving your Tata Neu Plus Credit Card, you can unlock 499 NeuCoins as a reversal of the first-year membership fee. To qualify, you need to complete a transaction within the first 30 days of card issuance. These NeuCoins are available for claim for 60 days from the date of the transaction on the Tata Neu App.

Note: If the first-year joining fee is waived off or if the Card is Life Time Free, you will not receive any welcome offer.

Credit Card Key Benefits:

• Neu Coin on Tata Neu platforms: 2% Cashback as NeuCoins on all purchases made on Tata Neu App/Website, with an additional 5% through NeuPass Membership on selected categories.
• 2% NeuCoins on Tata Partner Brands: You earn 2% NeuCoins when shopping at Tata’s partner brands, including AirAsia India, Bigbasket, Croma, Westside, and IHCL using Tata Neu Plus Credit Card.
• 7% NeuCoins on Tata Neu App/Website Purchases: Earn up to 7% back on all purchases made on the Tata Neu platform, which includes brands like Bigbasket, Croma, IHCL, and more using the Credit Card.(2% Credit + 5% Neu Pass)
• 1% NeuCoins on Other Purchases: Even on non-Tata purchases/Spend, you earn 1% back in NeuCoins, which is a solid reward for non-Tata brand spending using the Credit Card.
• UPI Transactions: Get 1% (0.25% + 0.75%) back on Tata Neu UPI ID spends and 0.25% on other App UPI transactions, capped at 500 NeuCoins per month starting from August 1, 2024.
• Fuel Surcharge Waiver: 1% waiver on fuel surcharges at all fuel stations in India, with a maximum cap of ₹250 per billing cycle for fuel spends between ₹400 and ₹5,000.
• NeuCoins Value: 1 NeuCoin = ₹1, making it easy to redeem your rewards on various Tata services.

Rewards Program & Limits:

• NeuCoins Cap on Grocery Transactions: Capped at 1,000 NeuCoins per month for purchases made at Tata Neu app/Website/Bigbasket/BBNow.
• Utility and Telecom Spends: Limited to 2,000 NeuCoins per calendar month on utility payments.
• Telecom and Cabel Spends: Limited to 2,000 NeuCoins per calendar month on telecom payments.
• Education Payments: Payments made via third-party apps like CRED, MobiKwik, or Cheq will not earn NeuCoins. However, payments made directly to educational institutions will still earn NeuCoins.
• Insurance spend - Rewards for Insurance spend capped at 2,000 NeuCoins per day.
• No Rewards on EMI Transactions: Only the EMI principal(Merchant EMI) amount is eligible for NeuCoins, excluding interest, processing fees, or GST

Neu Coin Earn Through NeuPass or Directly on Brand App/Website:

Tata Neu App/Website/Direct Brand App/Website Purchases: Earn up to 5% NeuCoins on purchases made via the Tata Neu App/Website at brands like Croma, Bigbasket, Cult.fit, IHCL, Etc... by making a payment using any payment method, if you have a Neu Pass Membership(If your New Pass is active on your registered Contact number and if you use the same contact number on Tata other brands you can earn Neu Coin as well, but you will earn fewer Neu Coins if you buy Directly Through the Tata Brand App/Websites.)

• Croma: Get 5 NeuCoins per ₹100 spent, up to 750 NeuCoins in a single transaction through the Tata Neu app, or 1 NeuCoin per ₹300 on purchases made directly on the Croma app/website.(No Maximum Cap on Neu Coin Earn in Month, Max Cap on Single Transaction Only)
• Bigbasket: Earn 5 NeuCoins for every ₹100 spent on the Tata Neu app or website, capped at 750 NeuCoins per transaction or 1 Neu Coin for 400 Rs (0.25% per 100 Rs) per eligible Spend by shopping directly on BigBasket.
• Cult.Fit: You can earn up to 5% NeuCoin for every 100 Rs spent through the Tata Neu app, Or 0.25% Neu Coin Directly on Cult.fit.
• Air India Express: Earn up to 5% of the base fare and ancillaries (excluding insurance) within 24 hours of booking on the Tata Neu app.(Neu coins earned are capped at 175 for domestic flights and 500 for International flights and you can earn a maximum of 50,000 Neu coins in a year.)
• IHCL (Taj Hotels): Earn a minimum of 4 NeuCoins per ₹100 spent, with higher rewards depending on your tier in the IHCL loyalty program.
• Tata 1mg: Upto 5%Neu Coin on Tata Neu App or 0.1% (1.1% for care plan members)Directly on Tata 1mg.
• Westside: Earn up to 5% Neu Coin through Neu pass and 0.1% Neu Coin directly on Westside
• Tata Motors: For all accessories you will earn 2% or 2000 Neucoin (whichever is lesser) on your pre-GST eligible amount spent(Excluding taxes and discount), For Paid services you will earn 1% or 2000 Neucoin (whichever is lesser) on your pre-GST eligible amount spent.
  For AMC and extended warranty, you will earn 1% or 2000 Neucoin (whichever is lesser)  on your pre-GST eligible amount spent on a passenger vehicle whereas for EV you will earn 3% or 2000 Neucoin (whichever is lesser) on your pre-GST eligible amount spent on
  
  Note - Neu Pass/Neu Coin Earn condition can be changed by HDFC/TATA anytime, so please take these as a reference only & to know the exact Neu Coin you can earn for your purchase connect with HDFC/TATA Customer care or check there terms and condition to see the latest/updated/current earn rate.
  About NeuPass & Neu Coin Earn - Click Here

NeuCoins will not be accrued for the following spends/transactions on the HDFC Tata Neu Plus Credit Card:

• Fuel Spends: Purchases made at fuel stations.
• Wallet Loads / Gift or Prepaid Card Loads / Voucher Purchases: Loading funds onto wallets or purchasing gift/prepaid cards or vouchers.
• Cash Advances: Transactions involving cash withdrawals.
• Payment of Outstanding Balances: Payments made to clear any pending credit card dues.
• Payment of Card Fees and Other Charges: Any payments made towards credit card fees or charges, including interest payments.
• Smart EMI / Dial an EMI Transactions: Transactions converted into EMI or financed through the "Dial an EMI" facility.
• Rental and Government-Related Transactions: Payments made for rental services or any government-related expenses or transactions.

These exclusions mean that purchases in these categories will not earn NeuCoins, so it's important to plan your spending accordingly to maximize rewards.

Additional Features:

• Zero Lost Card Liability: In case of a lost card, you won’t be liable for any fraudulent transactions if reported immediately.
• Interest-Free Credit Period: Enjoy up to 50 days of interest-free credit from the date of purchase, subject to the merchant's submission of charges.
• Complimentary Airport Lounge Access:
  • Domestic Lounge Access: 4 visits per year (limited to 1 per calendar quarter).
  • Priority Pass+ International Lounge Access is provided with the Tata Neu Infinity Credit Card.

NeuCoins Redemption:

NeuCoins can be redeemed for purchases at various Tata group platforms, such as:

• Tata CLiQ, Bigbasket, Croma, Westside, IHCL (Taj Hotels), and Tata 1MG, among others. To redeem your NeuCoins, simply choose Tata Pay/ NeuCoins as the payment method during checkout.

Spending-Based Fee Waiver:

The card has an annual fee of ₹499, but this is waived if you spend ₹1 lakh or more in the previous year.

Dining Offers:

Exclusive dining offers and discounts at partnered restaurants across India.

Pros of Tata Neu Plus Credit Card:

• High Rewards on Tata Purchases: With up to 7% back in NeuCoins on Tata Neu platform purchases, it’s perfect for frequent shoppers within the Tata ecosystem.
• Wide Redemption Options: NeuCoins can be used across various Tata brands, giving you plenty of flexibility to use your rewards.
• Low Annual Fee: The card’s affordable ₹499 annual fee can be easily waived with reasonable spending.

Cons of Tata Neu Plus Credit Card:

• Limited Rewards on Non-Tata Purchases: The card’s rewards rate for non-Tata purchases is just 1%, which is relatively low compared to other cards.
• No International Lounge Access: Unlike premium cards, the Tata Neu Plus Credit Card does not offer international lounge access.
• NeuCoins Cap on Fuel: The 1% fuel surcharge waiver is capped, which may not be sufficient for heavy fuel spenders.
• NeuCoins Expiry: NeuCoins expire after 365 days from your last eligible transaction.

Conclusion:

The Tata Neu Plus Credit Card is an excellent option for users who frequently shop within the Tata ecosystem. It offers generous rewards for Tata platform purchases, reasonable fees, and strong redemption options. However, it may not be the best choice for those who require more travel benefits or higher rewards on non-Tata purchases. If you’re a regular shopper within the Tata network, this card offers fantastic value with great rewards and benefits.