HDFC Tata Neu Credit Card Vs HDFC MoneyBack Plus Credit Card
Last Updated : April 2, 2025, 6:05 p.m.
In today's credit card landscape, choosing the right card that aligns with your spending habits and lifestyle can significantly impact your financial rewards. The HDFC Tata Neu Credit Card and HDFC MoneyBack Plus Credit Card represent two distinct offerings from one of India's leading banks, each with unique benefits tailored to different consumer needs. While the Tata Neu Credit Card is designed to maximize rewards within the Tata ecosystem, offering enhanced NeuCoins on purchases from Tata partner brands like BigBasket, 1MG, and Croma, the MoneyBack Plus card focuses on providing consistent CashPoints across popular everyday platforms such as Amazon, Flipkart, and Swiggy. Both cards come with different fee structures, redemption options, and milestone benefits that cater to distinct spending patterns. This comparison aims to help you navigate these differences and determine which card would better complement your financial strategy in 2025. While comparing, we shall take into account both the variants of the HDFC Tata Neu Credit Card - The Tata Neu Plus and the Tata Neu Infinity . After analyzing and comparing the features of both the cards, do a free CIBIL score check on Wishfin. Your credit score is a very important eligibility criteria governing the approval of your credit card application. So, by checking it you will know where you stand. If your credit score is low, take action to improve it. Also, before you apply with a credit card issuer, check if you fulfil their credit score requirements.
Comparing the Features of the HDFC Tata Neu and HDFC MoneyBack Plus Credit Card
The Tata Neu credit cards are co-branded offerings from HDFC Bank and Tata, designed to provide enhanced rewards for Tata ecosystem purchases. The MoneyBack Plus card, on the other hand, is HDFC Bank's general rewards card focused on providing cashback across various spending categories.
| Feature | HDFC Tata Neu Plus | HDFC Tata Neu Infinity | HDFC MoneyBack Plus |
|---|---|---|---|
Annual/Joining Fee | Rs. 499 + taxes | Rs. 1,499 + taxes | Rs. 500 (Welcome benefit: 500 CashPoints) |
Renewal Fee Waiver | Spend Rs. 1,00,000 or more per year | Spend Rs. 3,00,000 or more per year | Spend Rs. 50,000 or more per year |
Rewards on Tata Brands | 2% back as NeuCoins on non-EMI spends | 5% back as NeuCoins on non-EMI spends | N/A |
Rewards on Non-Tata Brands | 1% back as NeuCoins | 1.5% back as NeuCoins | 2 CashPoints per Rs. 150 spent (0.33% value back) |
Special Category Rewards | Additional 5% back as NeuCoins on selected categories on Tata Neu App/Website (with NeuPass) | Additional 5% back as NeuCoins on selected categories on Tata Neu App/Website (with NeuPass) | 10X CashPoints (3.3% value back) on Amazon, Flipkart, Swiggy, Reliance Smart SuperStore & BigBasket |
UPI Rewards | Up to 1% back as NeuCoins (capped at 500 NeuCoins per month) | Up to 1.5% back as NeuCoins (capped at 500 NeuCoins per month) | 2 CashPoints per Rs 150 spent (capped at 500 reward points per month) for RuPay cardholders |
Reward Value | 1 NeuCoin = Re. 1 | 1 NeuCoin = Re. 1 | 1 CashPoint = Re. 0.25 |
Fuel Surcharge Waiver | 1% (Min Rs. 400, Max Rs. 5,000 per transaction, Max waiver of Rs. 250 per statement cycle) | 1% (Min Rs. 400, Max Rs. 5,000 per transaction, Max waiver of Rs. 500 per statement cycle) | 1% (Min Rs. 400, Max Rs. 5,000 per transaction, Max waiver of Rs.250 per statement cycle) |
Airport Lounge Access | 4 domestic lounges per year (1 per quarter) | 8 domestic lounges per year (2 per quarter) + 4 international lounges per year (1 per quarter) | None |
Insurance Benefits | Zero lost card liability | Rs. 9 lakh lost card liability cover, Rs.15 lakh emergency overseas hospitalization, Rs. 1 crore accidental death cover | Zero lost card liability |
Welcome Benefit | 499 NeuCoins on Tata Neu App (on 1st transaction within 30 days) | 1,499 NeuCoins on Tata Neu App (on 1st transaction within 30 days) | 500 CashPoints |
Quarterly Spend Benefit | None | None | Rs. 500 gift voucher on spends of Rs. 50,000 + per quarter (up to Rs. 2,000 worth per year) |
Foreign Currency Markup | 2% | 2% | Not specified |
Contactless Payment | Enabled | Enabled | Enabled |
Interest-Free Credit Period | Up to 50 days | Up to 50 days | Up to 50 days |
Reward Structure Comparison
Tata Neu Cards:
- Reward Currency: NeuCoins
- Value: 1 NeuCoin = Re.1
- Redemption: Can be used for purchases on Tata Neu App/Website for brands like Air India Express, Bigbasket, Croma, Westside, Tata CLiQ, IHCL hotels, TATA 1MG, etc.
- Caps: Various category-specific caps (e.g., Grocery transactions capped at 1,000 NeuCoins per month for Neu Plus)
MoneyBack Plus Card:
- Reward Currency: CashPoints
- Value: 1 CashPoint = Re. 0.25
- Redemption: Can be redeemed against statement balance, travel benefits (flights & hotels), and rewards catalog
- Caps: Reward points redemption for flights & hotels bookings are capped at 50,000 points per month. CashBack redemption capped at 50,000 points per month.
Which Card Is Right For You?
Choose HDFC Tata Neu Plus if:
- You frequently shop at Tata brands (Croma, BigBasket, Westside, etc.)
- You value domestic airport lounge access
- You prefer a straightforward rewards system (1 NeuCoin = Re. 1)
- You're comfortable with a slightly higher annual fee that can be waived with sufficient spending
Choose HDFC Tata Neu Infinity if:
- You're a heavy spender on Tata brands and can maximize the 5% rewards
- You travel frequently and can utilize the domestic and international lounge access
- You value comprehensive insurance coverage
- You can meet the higher annual spending threshold to waive the fee
Choose HDFC MoneyBack Plus if:
- You frequently shop on Amazon, Flipkart, Swiggy, BigBasket, and Reliance Smart
- You prefer quarterly rewards in the form of gift vouchers
- You want a lower spending threshold to waive the annual fee
- You don't need airport lounge access.
Final Thoughts
The Tata Neu credit cards offer superior rewards for those invested in the Tata ecosystem, with the Infinity variant providing premium benefits for higher spenders. The MoneyBack Plus card offers competitive rewards for everyday spending across popular e-commerce platforms and has a lower spending threshold for fee waiver, making it more accessible for moderate spenders. Your choice should ultimately depend on your spending patterns, preferred redemption options, and whether you value premium benefits like lounge access and insurance coverage.
Frequently Asked Questions (FAQs)
