HDFC Tata Neu Credit Card Vs HDFC Millennia Credit Card
Last Updated : April 2, 2025, 3:39 p.m.
In today's competitive credit card market, choosing between the HDFC Tata Neu Credit Card and the HDFC Millennia Credit Card requires careful consideration of your spending habits and lifestyle preferences. While both cards come from the trusted HDFC Bank stable, they cater to distinctly different needs. The Tata Neu Credit Card offers an impressive 5% back as NeuCoins on Tata brand purchases and 1.5% back on all other spends, making it particularly attractive for frequent shoppers of Tata brands and services. Meanwhile, the HDFC Millennia Credit Card entices with its straightforward 5% cashback on popular platforms like Amazon, Swiggy, Zomato, and Flipkart, alongside 1% cashback on all other transactions. Beyond rewards, these cards differ significantly in their lounge access benefits, annual fee waiver conditions, and additional perks, presenting consumers with a choice between the ecosystem-focused advantages of the Tata card versus the versatile everyday benefits of the Millennia card. Let us now compare both the cards based on various parameters like fees, rewards, welcome benefits, lounge access, etc. While comparing both these cards, we will include both the variants of the Tata Neu card - The Tata Neu Infinity HDFC Bank Credit Card and the Tata Neu Plus HDFC Bank Credit Card .
This will help you to choose a card most suitable to your lifestyle. After you decide which card to apply for, check your CIBIL score online on Wishfin, since the credit score is a very important eligibility criteria that governs the approval of your credit card application.
Comparing the features of the HDFC Tata Neu Credit Card and the HDFC Millennia Credit Card
| Parameter | HDFC Tata Neu Credit Card (Plus Variant) | HDFC Tata Neu Credit Card (Infinity Variant) | HDFC Millennia Credit Card |
|---|---|---|---|
Annual/Joining Fee | Rs. 499 + GST | Rs. 1,499 plus GST | Rs. 1,000 + GST |
Fee waiver condition | Spend Rs. 1,00,000 or more per year | Spend Rs. 3,00,000 or more per year | Spend Rs. 1,00,000 or more in the previous year |
Welcome benefits | 499 NeuCoins on first transaction within 30 days | 1,499 NeuCoins (As per fee reversal) | Reward points equivalent to fee amount (1,000 CashPoints) |
Rewards on Tata Neu (Inclusive of 5% NeuCoins with NeuPass membership on select categories) | 7% | 10% | NA |
Reward rate on partner brands (Online and at stores) | 2% back as NeuCoins on Tata brands (non-EMI) | 5% back as NeuCoins on Tata brands (non-EMI) | 5% cashback on reputed merchants as follows:
|
Reward rate on all other spends | 1% back as NeuCoins on non-Tata brands and EMI spends | 1.5% back as NeuCoins on non-Tata brands and EMI spends | 1% cashback on other spends (except fuel) |
UPI Spending benefits | 1% back as NeuCoins (max 500 NeuCoins per month) | 1.5% back as NeuCoins (max 500 NeuCoins per month) | Not available for UPI transactions |
Additional benefits | Additional 5% back as NeuCoins on select categories via Tata Neu App with NeuPass | Additional 5% back as NeuCoins on select categories via Tata Neu App with NeuPass | ₹1,000 worth gift vouchers on quarterly spends of ₹1,00,000+ |
Airport lounge access | 4 complimentary domestic lounge access per year with 1 per quarter. | 8 complimentary domestic lounge visits per year (2 per quarter) + 4 international lounge visits per year via Priority Pass (VISA variant) | Lounge access is at present included in the quarterly spend milestone program |
Fuel surcharge waiver | 1% (max Rs. 250 per statement cycle) | 1% (max Rs. 500 per statement cycle) | 1% (max Rs. 250 per statement cycle) |
Reward Points Value | 1 NeuCoin = Re 1 | 1 NeuCoin = Re 1 | 1 CashPoint = Re for statement balance redemption |
Reward points Validity | 365 days after the last transaction | 365 days after the last transaction | 2 years from accumulation |
Reward redemption Options | Redeemable on the Tata Neu app for purchases across Tata brands | Redeemable on Tata Neu app for purchases across Tata brands | Can be redeemed against statement balance (min 500 points), also for travel and rewards catalog (at lower value) |
Foreign currency markup | Contact the bank | 2% on all foreign currency spends | Contact the bank |
Dining benefits | NA | NA | Up to 20% savings via Swiggy Dineout at 20,000 plus restaurants |
Monthly reward caps | Grocery: 1,000 NeuCoins for Plus Card, Utility & Telecom: 2,000 NeuCoins | Grocery: 2,000 NeuCoins for Infinity Card, Utility & Telecom: 2,000 NeuCoins | Maximum 1,000 CashPoints per month on partner merchants and 1,000 CashPoints on other spends |
Key Differences and Benefits
Reward structure:
- Tata Neu Cards: Focus on rewarding purchases made within the Tata ecosystem. The Infinity variant offers significantly higher rewards (5%) compared to the Plus variant (2%).
- Millennia Card: Offers higher rewards (5%) on popular online merchants including Amazon, Flipkart, Swiggy, and Zomato, making it more versatile for general online shopping.
Redemption Flexibility:
- Tata Neu Cards: NeuCoins can primarily be redeemed within the Tata ecosystem (Bigbasket, Croma, Westside, Tata CLiQ, etc.)
- Millennia Card: CashPoints offer greater flexibility as they can be directly redeemed against your statement balance (1 CashPoint = Re 1) with a minimum requirement of 500 points.
Special Features
- Tata Neu Cards: Support UPI payments and offer rewards on UPI transactions, which is a unique advantage
- Millennia Card: Offers special dining benefits through Swiggy Dineout with up to 20% savings and quarterly milestone benefits
Annual Fee Considerations
- Tata Neu Plus: Lowest annual fee (Rs. 499) making it more accessible
- Tata Neu Infinity: Highest annual fee (Rs. 1,499) but offers premium benefits like international lounge access
Millennia: Mid-range annual fee (Rs. 1,000) with versatile rewards on popular merchants
Who Should Choose Which Card?
Tata Neu Plus Credit Card is ideal for:
- Those who frequently shop within the Tata ecosystem (Bigbasket, Croma, Tata CLiQ, etc.)
- Users looking for a lower annual fee option with decent rewards
- People who make regular UPI payments and want to earn rewards on them
- Those who prefer a simple reward structure focused on one ecosystem
Tata Neu Infinity Credit Card is ideal for:
- Heavy spenders within the Tata ecosystem who can maximize the 5% reward rate
- Frequent travelers who will benefit from the enhanced lounge access (both domestic and international)
- Those who can meet the higher annual spend requirement (Rs. 3,00,000) to waive the annual fee
- Users looking for premium benefits with higher reward rates
HDFC Millennia Credit Card is ideal for:
- Online shoppers who frequently use platforms like Amazon, Flipkart, Swiggy, and Zomato
- Those who want flexibility in redeeming their rewards (statement credit)
- Food enthusiasts who can benefit from the dining discounts
- Users who prefer versatile rewards across multiple popular platforms rather than being tied to one ecosystem.
Limitations to Consider
Tata Neu Cards:
- Rewards focused primarily on the Tata ecosystem
- Validity of NeuCoins limited to 365 days after the last transaction
- Caps on rewards for certain categories (grocery, utility, telecom)
- Currently, Bill Payment (Tata Pay), Tanishq, Cult.fit, Air India, and Tata Play spends are not eligible for additional 5% NeuCoins via NeuPass Membership
Millennia Card:
- Cannot be linked to UPI for transactions
- Monthly caps on cashback earnings
- Lounge access benefits have been modified (as of December 2023) and are now linked to quarterly spending milestones.
HDFC Tata Neu Credit Card and the HDFC Millennia Credit Card - Which Card is Better?
Both card offerings have distinct advantages depending on your spending habits and preferences:
- If you're deeply integrated into the Tata ecosystem for shopping, groceries, and other services, the Tata Neu cards offer excellent value, with the Infinity variant providing premium benefits for heavy spenders.
- If your spending is spread across various popular online platforms and you value flexibility in reward redemption, the HDFC Millennia Card would likely be more beneficial.
- For UPI users, the Tata Neu cards have a clear advantage as they reward UPI transactions, while the Millennia card doesn't support this feature.
Consider your spending patterns, annual expenses, and whether you prefer ecosystem-specific rewards or more general flexibility when making your choice.
Frequently Asked Questions (FAQs)
