HDFC Bank Tata Neu Plus Vs Tata Neu Infinity Credit Card

Friends, in this article we will compare two very popular credit cards of HDFC Bank, HDFC Tata Neu Plus Credit Card and HDFC Tata Neu Infinity Credit Card. Now wherever you have read about these two credit cards, you must have seen that 7% cashback is mentioned on Tata Neu Plus Credit Card and 10% cashback is mentioned on Tata Neu Infinity Credit Card. But you will find very few such creators who will tell you with clarity how you get this 7% and 10% cashback and on which products osr services it is available.

When you go to the website of HDFC Bank and read the features and benefits of these two credit cards, it becomes quite confusing to understand how and on which products you will get these rewards and what are the terms and conditions for them. Therefore, to make all these things easier, with the help of this article, we will tell you all the features of these two credit cards in detail so that you will be able to understand them well, how can you avail this 7% and 10% cashback?

Apart from this, at the end of this article we will also give you our verdict that if you are given an opportunity to choose between these two HDFC credit cards, then which of these credit cards should you pick?

Now before knowing the features of both these credit cards, let us first know a little about Tata Neu app because Tata Neu app has a big role in both these credit cards and we will make you aware of only those features of this app which we will need in these credit cards.

What is Tata Neu App and what features does it provide?

Tata Neu is a super app from Tata Digital that brings together a wide range of Tata Group’s services and products onto a single platform. It offers users a seamless experience for shopping, travel, finance, and more. Now if you purchase any product listed on Tata Neu app, whether that product is of Tata brand or any other brand, you get 5% Neu Coins on every product. Now you do not need to have any credit card for this.

Now on this Tata Neu app, you will not only get all the products of Tata, apart from this you will also get almost all the small to big products of all the other brands, just like you get on Amazon and Flipkart. Now Tata Neu is a new app so you may not see some products on it but gradually all the products will be listed here.

Now, to understand the difference between these two credit cards, you needed to know as much about Tata Tata Neu as we have learned above. Now let us understand the differences between these two credit cards –

A Quick Overview of HDFC Tata Neu Plus and Tata Neu Infinity Credit Card:

HDFC Tata Neu Plus Credit Card vs HDFC Tata Neu Infinity Credit Card:

Rewards and Cashbacks:

Tata Neu Plus:

HDFC Tata Neu Plus Credit Card says that I will provide you additional 2% Neu Coins on Tata Neu app. That means, if you make your payment with this Neu Plus card while purchasing any product on Tata Neu app, then you will get 5% + 2% Neu Coins. In this way you will get only 7% Neu Coins if you make your payment through this card.

Now you will get additional 2% Neu Coins, there are some terms and conditions for them which we can quickly understand –

On Tata Neu, whether you buy any Tata brand goods or non-Tata goods, you will get additional 2% Neu Coins on everything.

Apart from this, if you buy any product of the Tata brands given below with the help of this credit card, you will also get these 2% Neu Coins.

• Tata 1MG
• bigbasket
• Chrome
• AirAsia
• Tata Cliq
• IHCL (TAJ group of Hotels)
• west side
• Qmin
• Tata Play
• cult
• Tata Pay
• Titan
• Tanishq
• Air India

Now since you are not purchasing this product through Tata Neu app, you will not get the default 5% Neu Coins.

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Now, if you buy any non-Tata brand product with this credit card from any other e-commerce website or any offline store instead of Tata Neu app, then in that case you will get only 1% Neu Coins.

Tata Infinity:

Now HDFC Tata Neu Infinity Credit card gives you additional 5% Neu Coins on Tata Neu app. That means Neu App already gives you 5% by default and if this credit card is giving you 5% then you will get 10% Neu Coins of your payment.

Now for the additional 5% Neu Coins available in this credit card, you also have to keep in mind the terms and conditions, which we will also quickly take a look at –

• On Tata Neu app, you will get an additional 5% Neu Coins on all Tata and non-Tata products.
• Apart from this, if you buy any of the Tata brand products mentioned above from any other platform or offline store instead of Tata Neu app with this credit card, you will also get 5% Neu Coins. And here also you will lose by default 5% Neu Coins received on Tata Neu App.
• Now if you buy any non-Tata brand product with this credit card from any other e-commerce website or offline store instead of Tata Neu app, then in that case you will get only 1.5% Neu Coins.

HDFC bank claims that if you use HDFC Tata Neu Plus Credit Card properly then you can save up to Rs 35000 per year, the complete chart of which you can access from here.

On the other hand, HDFC Bank also says that if you utilize the HDFC Tata Neu Infinity Credit Card well, you can save more than the Plus Credit card every year, whose value chart you can access from here.

Welcome Benefit:

Now when you pay the joining fee of Rs 499 for Tata Neu Plus Credit Card, this credit card provides you 499 Neu coins as a welcome benefit and the value of 1 Neu Coin is equal to Rs 1. Therefore, your joining fee is, in a way, returned to you.

Similarly, you pay a joining fee of Rs 1499 for Tata Neu Infinity Credit Card and here also 1499 Neu Coins are provided to you as welcome benefit. Therefore the joining fee of this credit card is also refunded to you.

And to avail these coins, you will have to make at least one transaction from your credit card within 30 days from the issue date. And the validity of Neu Coins available in both these credit cards remains for one year, so you should use them within one year, otherwise they will expire.

Now regarding the annual charges of these credit cards, you can get them waived off as well. To get the annual fee waived off on HDFC Tata Neu Plus credit card, you will have to spend at least Rs 1 lakh in a year from this card. And to get the annual fee of HDFC Tata Infinity Card waived, you will have to spend at least Rs 3 lakh in a year, only then you will be eligible for it.

Where You Can Redeem Your Neu Coins?

Whatever Neu Coins you earn in these two credit cards, you can redeem them either on Tata Neu app itself or on these websites or apps of Tata brand which are mentioned below –

• AirAsia India
• bigbasket
• Croma, Westside.
• Tata CLiQ, Tata CLiQ Luxury
• Hotel Bookings/Purchases on IHCL
• TATA 1MG
• Qmin

Now you can also redeem your Neu Coins on Titan and Tanishq products, but you can do this only through Tata Neu app.

Apart from these, you can also redeem your Neu Coins by visiting some selected stores offline.

UPI Benefit:

One of the best features provided to you in both these credit cards is that you are given cashback even if you do transactions through UPI (Unified Payments Interface) on this credit card. Now as we know that both these credit cards are Rupay credit cards and we can link them to our UPI app.

You get 1% cashback on whatever UPI transaction you do through Tata Neu Plus credit card. And you will get 1.5% cashback on all the UPI transactions you do with the help of Tata Neu Infinity Credit Card.

Now there are some categories on which you do not get any New Coins or cashback in both these credit cards. These categories are as follows:

• Fuel Spend
• Wallet Reload
• EMI Conversion
• Rental and Government Transactions

Lounge Access and Other Benefits:

You are also provided some lounge access facility on both these credit cards. On HDFC Tata Neu Plus Credit Card, you are provided the facility of 1 Domestic Lounge access per quarter, which means you can avail the benefit of total 4 Domestic Lounge Access in a year with the help of this credit card. And on this credit card you are not given any International Lounge Access facility.

On the contrary, in HDFC Tata Neu Infinity Credit card, you are provided the facility of 2 domestic lounge access per quarter i.e. a total of 8 domestic lounge access in a year. Apart from this, you are also given the benefit of 4 International Lounge Access on this credit card. This is a very amazing feature of this credit card because in this you get total 12 lounge access free.

Apart from this, you get 1% fuel surcharge waiver from both these credit cards, which is available in all credit cards only.

You are also given some insurance benefits in Tata Infinity Credit Card which you do not get to see in Tata Plus Credit Card. Which is as follows –

• Air Accident Cover 1 Crore
• Emergency Overseas Hospitalization Rs. 15 lakh
• Lost Card Liability Rs. 9 Lakh

Final Words:

If you want to know which credit card you should take among HDFC Tata Neu Plus Credit and Tata Infinity Credit Card, then we strongly recommend you that if you are getting this Tata Infinity Credit Card then you should take it only. Because in this credit card you also get more Neu Coins and in this credit card you also get more Lounge Access and along with that you also get international lounges.

Now, although both these credit cards are best, still if Tata Infinity Credit Card is being offered to you by the bank, then you must take it. And whichever credit card you take, you should do all your transactions on Tata Neu app only because only then you will be able to earn more cashback. Apart from all this, you can select which of these credit cards is best for you as per your expenses and your requirements.