Tata Neu Plus Credit Card 2025
Save over ₹25,000+ every year with 10% back everywhere!
Best Tata ecosystem card! Tata Neu Plus gives 10% NeuCoins on all spends, 1.5% extra on Tata brands (total 18%), 8 lounge visits, and ₹1,000 welcome NeuCoins.
Perfect for Tata shoppers & heavy spenders!
Why Choose Tata Neu Plus in 2025?
10% all spends • 18% Tata brands • 8 lounges • ₹1,000 welcome • ₹1,499 fee waiver on ₹1.5L
Best for: Tata loyalists, heavy spenders, Air India flyers
Card At a Glance
₹1,499 + GST
₹1,499 + GST (Waived on ₹1.5L)
10% All | 18% Tata
₹1,000 NeuCoins
8 visits/year
2%
Complete Fees & Charges
| Particulars | Details |
|---|---|
| Joining Fee | ₹1,499 + GST |
| Annual Fee | ₹1,499 + GST (Waived on ₹1.5L) |
| Welcome Benefit | ₹1,000 NeuCoins |
| Rewards Redemption Fee | Zero |
| Foreign Currency Markup | 2% + GST |
| Interest Rate | 3.6% per month |
| Fuel Surcharge Waiver | 1% (max ₹500/month) |
| Cash Advance Fee | 2.5% of amount |
Detailed Reward Rates (2025)
- 10% NeuCoins (1.5% value) on ALL spends
- 1.5% extra on Tata Neu, Croma, Westside, Air India (total 18%)
- 1 NeuCoin = ₹1 (Tata ecosystem)
- No expiry on NeuCoins
- 1:1 transfer to Air India Flying Returns
Airport Lounge Access
8 complimentary domestic lounge visits per year
2 visits per quarter
No minimum spend
Insurance & Protection Benefits
- ₹1 Crore air accident cover
- ₹25 Lakh personal accident
- Zero lost card liability
Pros & Cons (Real User View)
| Pros | Cons |
|---|---|
| 10% back everywhere | NeuCoins Tata-only |
| 18% on Tata brands | 3.6% interest rate |
| Easy ₹1.5L fee waiver | Only 8 lounge visits |
| No expiry on rewards | Tata ecosystem locked |
| 1:1 Air India transfer | 2% forex (not zero) |
| 8 lounge visits |
Eligibility Criteria & Documents Required
- Age: 21–60 years
- Minimum Annual Income: ₹6 Lakh
- Credit Score: 720+ preferred
- Documents: PAN, Aadhaar, salary slip
How to Apply Online (5-Minute Process)
- Visit HDFC/Tata Neu website
- Fill basic details → Instant approval
- Upload PAN, Aadhaar & income proof
- Video KYC (2 minutes)
- Card in 7 days
Final Verdict – Should You Get It in 2025?
Best for Tata lovers! 10% everywhere + 18% Tata brands = ₹25,000+ value. Perfect if you shop at Tata brands regularly!
Frequently Asked Questions (FAQs)
10% on ALL spends?
Yes! 1.5% value as NeuCoins everywhere.
18% on Tata brands?
Yes! Neu App, Croma, Westside, Air India.
NeuCoins expiry?
No expiry! Lifetime validity.
Air India transfer?
Yes! 1:1 to Flying Returns.
Fee waiver easy?
Yes! ₹1.5L spend waives ₹1,499 fee.