Compare the benefits of Tata Neu Plus HDFC Bank Credit Card vs Tata Neu Infinity HDFC Bank Credit Card. Find out which card suits your lifestyle and spending habits best, from rewards to exclusive privileges. HDFC and Tata Neu have collaborated to introduce two credit cards that offer extraordinary rewards for both online and offline purchases. If you frequently use the Tata Neu app for your spending, these credit cards are worth considering.
Now, you might be wondering which credit card is superior, the Tata Neu Plus HDFC Bank Credit Card vs the Tata Neo Infinity HDFC Bank Credit Card. Most credit cards have a cashback limit and specific terms and conditions associated with it. People with limited knowledge about credit cards often struggle to comprehend these terms and conditions. Today, we will provide you with a detailed explanation in simple terms to help you determine which credit card is the best choice, Tata Neu Plus HDFC Bank Credit Card vs Tata Neu Infinity HDFC Bank Credit Card.
Overview of Tata Neu Plus HDFC Bank Credit Card
- Get 2% back in NeuCoins when you make purchases at Tata Neu and partner Tata brands.
- You’ll get 1% back in NeuCoins when you spend on non-Tata brands and any merchant EMI purchases.
- Earn 1% back in NeuCoins when you make UPI transactions (the maximum limit for NeuCoins per calendar month is 500).
- Get an extra 5% back in NeuCoins on specific categories on Tata Neu App/Website.
- Transactions do not qualify for reward points:
- Fuel Spends
- Wallet loads
- Smart EMI / Dial an EMI transaction
- You can earn up to 1,000 reward points per month on Grocery transactions.
- Enjoy free access to domestic lounges up to 4 times per year.
- 1% fuel surcharge waiver at all fuel stations across India (on transactions between Rs 400 to Rs 5,000).
- You can get a maximum waiver of ₹250 per statement cycle.
- NeuCoins will expire 1 year after your most recent transaction that earns or uses NeuCoins.
Overview of Tata Neu Infinity HDFC Bank Credit Card
- Get 5% back in NeuCoins when you make purchases at Tata Neu and partner Tata brands.
- You’ll get 1.5% back in NeuCoins when you spend on non-Tata brands and any merchant EMI purchases.
- Earn 1.5% back in NeuCoins when you make UPI transactions (the maximum limit for NeuCoins per calendar month is 500).
- Get an extra 5% back in NeuCoins on specific categories on Tata Neu App/Website.
- Transactions do not qualify for reward points:
- Fuel Spends
- Wallet loads
- Smart EMI / Dial an EMI transaction
- You can earn up to 1,000 reward points per month on Grocery transactions.
- Enjoy free access to domestic lounges up to 8 times per year.
- 1% fuel surcharge waiver at all fuel stations across India (on transactions between Rs 400 to Rs 5,000).
- You can get a maximum waiver of ₹500 per statement cycle.
Also Read: Best RuPay Credit Card
Tata Neu Plus HDFC Bank Credit Card vs Tata Neu Infinity HDFC Bank Credit Card – Fees & Charges
| Particulars | Tata Neu Plus HDFC Bank Credit Card | Tata Neu Infinity HDFC Bank Credit Card |
|---|---|---|
| Joining/Renewal Fee | ₹499/- + Taxes | ₹1,499/- + Taxes |
| Rewards Redemption Fee | Rs. 99 per redemption request | Nil |
| Foreign Currency Markup | 3.5% | 2% |
| Finance Charges | 45% per annum | 41.88% per annum |
| Cash Advance Charges | 2.5% of the withdrawn amount or Rs. 500 whichever is greater | 2.5% of the withdrawn amount or Rs. 500 whichever is greater |
Tata Neu Plus HDFC Bank Credit Card vs Tata Neu Infinity HDFC Bank Credit Card – Cashback & Rewards
| Particulars | Tata Neu Plus HDFC Bank Credit Card | Tata Neu Infinity HDFC Bank Credit Card |
|---|---|---|
| Cashback/Reward Points | 2% back as NeuCoins when you purchase at Tata Neu and partner Tata brands. | 5% back as NeuCoins when you purchase at Tata Neu and partner Tata brands. |
| Fuel Surcharge Waiver | Enjoy 1% fuel surcharge waiver at all fuel stations across India | Enjoy 1% fuel surcharge waiver at all fuel stations across India |
| Welcome Benefit | Receive 499 NeuCoins on Tata Neu App when you make your first transaction within 30 days of receiving your card. | Receive 1,499 NeuCoins on Tata Neu App when you make your first transaction within 30 days of receiving your card. |
| Other Benefits | Get an extra 5% back in NeuCoins on specific categories on Tata Neu App/Website. | Get an extra 5% back in NeuCoins on specific categories on Tata Neu App/Website. |
Eligibility Criteria for Self-Employed
| Particulars | Tata Neu Plus HDFC Bank Credit Card | Tata Neu Infinity HDFC Bank Credit Card |
|---|---|---|
| Age | 21 to 65 Years | 21 to 65 Years |
| Income | ITR > Rs 6 Lakhs per annum | ITR > Rs 12 Lakhs per annum |
Eligibility Criteria for Salaried
| Particulars | Tata Neu Plus HDFC Bank Credit Card | Tata Neu Infinity HDFC Bank Credit Card |
|---|---|---|
| Age | 21 to 60 years | 21 to 60 years |
| Monthly Income | Rs. 25,000 or higher | Rs. 1 or higher |
Tata Neu Plus HDFC Bank Credit Card vs Tata Neu Infinity HDFC Bank Credit Card – Required Documents
- Proof of Identity: PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID.
- Proof of Address: Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 months old, Ration Card, Property Registration Document.
- Proof of Income: Latest one or 2 salary slips (not more than 3 months old), Latest Form 16, Last 3 months’ bank statement.
Final Words
You should now have a clear understanding of the distinctions between the Tata Neo Plus HDFC Bank credit card and the Tata Neo Infinity HDFC Bank credit card. In case you are still uncertain about which credit card to choose, we will provide you with 3 to 4 bullet points to assist you in making a decision:
- Tata Neu Infinity HDFC Bank Credit Card is a great choice if you’re looking for a credit card with a low finance charge.
- If you require more NeuCoins during your shopping experience on Tata Neu and partner Tata Brands, the Tata Neu Infinity HDFC Bank Credit Card is a great option.
- If you spend around Rs. 1,00,000 per year and want to avoid paying the renewal fee, the Tata Neu plus HDFC Bank credit card is a great option.
