HDFC Tata Neu Credit Card Vs HDFC Swiggy Credit Card

Last Updated : April 2, 2025, 4 p.m.

In today's digital economy, co-branded credit cards have become increasingly popular as they offer targeted benefits for specific consumer preferences. This article compares two prominent offerings from HDFC Bank: the Tata Neu Credit Card and the Swiggy Credit Card. Both cards cater to different lifestyle needs and spending habits, making it essential to understand their unique features before making a choice. The HDFC Tata Neu Credit Card is a co-branded offering between HDFC Bank and Tata Digital, designed to reward users for transactions across the Tata ecosystem. It comes in two variants: Tata Neu Infinity and Tata Neu Plus , offering varying levels of benefits based on the user's spending profile. The HDFC Swiggy Credit Card is tailored for food enthusiasts and frequent online shoppers, offering significant cashback on Swiggy-related transactions and various online purchases. It's designed to maximize returns on everyday digital spending habits. Let us now proceed to compare both these credit cards.

Comparing the Features of HDFC Tata Neu Credit Card Vs HDFC Swiggy Credit Card

Key Differences:

Fees:

Both cards offer competitive fee structures, with the Tata Neu Plus and Swiggy cards having similar joining and annual fees. The Tata Neu Infinity has a higher fee but also offers more premium benefits.

Rewards Structure:

HDFC Tata Neu Credit Card

Tata Neu Plus:

• 2% back as NeuCoins on non-EMI spends on Tata Neu and partner brands
• 1% back as NeuCoins on non-Tata brand spends and merchant EMI spends
• Additional 5% back as NeuCoins on selected categories on Tata Neu App/Website with NeuPass

Tata Neu Infinity:

• 5% back as NeuCoins on non-EMI spends on Tata Neu and partner brands
• 1.5% back as NeuCoins on non-Tata brand spends and merchant EMI spends
• 1.5% back as NeuCoins on UPI spends (maximum 500 NeuCoins per month)
• Additional 5% back as NeuCoins on selected categories on Tata Neu App/Website with NeuPass

HDFC Swiggy Credit Card:

• 10% cashback on Swiggy application (Food ordering, Instamart, Dineout & Genie) with a monthly cap of Rs. 1,500
• 5% cashback on online spends across eligible merchant categories with a monthly cap of Rs. 1,500
• 1% cashback on other categories with a monthly cap of Rs. 500
• Total potential annual savings of up to Rs. 42,000

Welcome Benefits:

The Swiggy card offers a more valuable welcome benefit with its three-month Swiggy One membership, which provides free deliveries and extra discounts on Food, Instamart, DineOut & more.

Lounge Access and Travel Benefits

HDFC Tata Neu Plus:

• 4 complimentary domestic lounge access per calendar year (1 per quarter)

HDFC Tata Neu Infinity:

• 8 complimentary domestic lounge access annually (2 per quarter)
• 4 complimentary international lounge access per calendar year (1 per quarter) via Priority Pass

HDFC Swiggy Credit Card:

• No airport lounge access mentioned

The Tata Neu cards clearly offer better travel benefits, with the Infinity variant providing both domestic and international lounge access.

Insurance Benefits

HDFC Tata Neu Infinity:

• Accidental air death cover worth Rs. 1 Crore
• Emergency overseas hospitalization up to Rs. 15 lakhs
• Lost card liability cover up to Rs. 9 lakhs

HDFC Swiggy Credit Card:

• Zero lost card liability

The Tata Neu Infinity card offers much more comprehensive insurance coverage compared to the Swiggy card.

Reward Redemption:

HDFC Tata Neu Cards:

• NeuCoins can be redeemed on Tata Neu App/Website for brands like Air India Express, Bigbasket, Croma, Westside, Tata CLiQ, IHCL hotels, TATA 1MG, Qmin, Titan, and Tanishq
• 1 NeuCoin = Re. 1

HDFC Swiggy Credit Card:

• Cashback is directly credited to the statement, reducing your credit card bill
• Gives complete flexibility in using the rewards
• While both redemption mechanisms offer value, the Swiggy card's direct statement credit provides more flexibility, whereas the Tata Neu card's NeuCoins are restricted to the Tata ecosystem.

Additional Benefits

HDFC Tata Neu Cards:

• Up to 10% savings on Tata Neu app
• Transparent rewards structure where 1 NeuCoin = 1 Rupee
• Available on both RuPay & Visa Networks

HDFC Swiggy Credit Card:

• Mastercard World benefits including:
  • Premium golf club access worldwide with 12 free golf lessons/year in India
  • Free stay & dine (one night & one dine free at select Mastercard partners globally)
  • Agoda discounts with up to 12% instant discount on worldwide hotels

Eligibility Criteria

HDFC Tata Neu Cards:

Salaried customers:

• Age: 21-60 years
• Gross Monthly Income: > Rs. 25,000 for Tata Neu Plus, > Rs. 1,00,000 for Tata Neu Infinity

Self-employed customers:

• Age: 21-65 years
• Last year ITR: > Rs. 6 Lakhs per annum for Tata Neu Plus, > Rs. 12 Lakhs per annum for Tata Neu Infinity

HDFC Swiggy Credit Card:

• Age: 21-60 years for salaried, 21-65 years for self-employed
• Citizenship: Indian

Which Card is Right for You?

Choose HDFC Tata Neu Card if:

• You frequently shop at Tata brand stores like BigBasket, Croma, Westside, etc.
• You value airport lounge access and travel benefits
• You prefer a comprehensive rewards ecosystem with multiple redemption options
• You're looking for substantial insurance coverage

Choose HDFC Swiggy Card if:

• You frequently order food, groceries, or services through Swiggy
• You make significant online purchases across various platforms
• You prefer direct cashback to your statement rather than points
• You value golf and hotel benefits through Mastercard World
• You want to maximize cashback with potential annual savings of up to Rs. 42,000

Which Card to Choose?

Both the HDFC Tata Neu and HDFC Swiggy Credit Cards offer compelling value propositions targeted at different spending habits and lifestyles. The Tata Neu cards are ideal for individuals who frequently use Tata brand services and value travel benefits, with the Infinity variant offering premium perks for higher spenders. Meanwhile, the Swiggy card provides exceptional cashback rates for food enthusiasts and online shoppers. As of 2025, the Swiggy HDFC Credit Card appears to offer higher potential cashback returns for general users, while the Tata Neu cards provide better value for loyal Tata customers and travelers. Your choice should align with your spending patterns and the benefits you value most.Before applying, carefully consider your spending habits, preferred reward structure, and the additional perks that matter most to you. Both cards offer strong value propositions when used optimally with your lifestyle. Also, before applying, check your CIBIL score for free on Wishfin to know where you stand. This score is an important eligibility factor.