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HDFC TATA Neu Credit Card NeuCoins Explained

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Ahtsham

I got my Tata Neu Card recently but was not able to find any thread with complete info on NeuCoins. So, after researching from various platforms, I am compiling complete info here.

Lets assume: 

  • Billing cycle = 11 Jan - 10 Feb 
  • Statement Generated on 11 Feb.

Tata Neu Infinity:

Tata Neu and partner brands: 5% NeuCoins (1.5% base + 3.5% bonus):

  • 1.5% base NeuCoins will be credited within 7 days of current month statement generation (by 17 Feb)
  • Rest 3.5% bonus NeuCoins credited within 7 days of next month statement generation (by 17 Mar)

All other spends: 1.5% Base NeuCoins credited within 7 days of current month statement generation (by 17 Feb) 

UPI: 1.5% NeuCoins : (max 500 NeuCoins per calendar month)

  • For UPI transactions settled in Current Calendar month (1 Jan - 31 Jan) will be credited within 7 days current month statement generation (by 17 Feb). 
  • For Transactions settled in current billing cycle (11 Jan - 10 Feb)  but in next Calendar month (1 Feb - 28 Feb), say on 4 Feb will be will be credited within 7 days next month statement generation (by 17 Mar).
  • Settled transactions of full calendar month are added up and 1.5% is calculated of this cumulative, not of individual transactions.


So, statement generated on 11 Feb will have these NeuCoins:

  • 1.5% base NeuCoins + 3.5% previous billing cycle (11 Dec - 10 Jan) bonus NeuCoins + 1.5% calendar month (01 Jan - 31 Jan) UPI NeuCoins.
  • These NeuCoins will be credited to Tata Neu app within 7 days of statement generation.
  • NeuCoins are calculated and posted on nearest round integer, for example Rs 140 transaction will be calculated as (140*1% = 1.4 NeuCoins = 1 NeuCoin (round to nearest integer

Tata Neu Plus:

Tata Neu and partner brands: 2% Neucoins (1% base + 1% bonus):

  • 1% base NeuCoins will be credited within 7 days of current month statement generation (by 17 Feb)
  • Rest 1% bonus NeuCoins credited within 7 days of next month statement generation (by 17 Mar)

All other spends: 1% Base NeuCoins credited within 7 days of current month statement generation (by 17 Feb)

UPI: 1% NeuCoins : (max 500 NeuCoins per calendar month)

  • For UPI transactions settled in Current Calendar month (1 Jan - 31 Jan) will be credited within 7 days current month statement generation (by 17 Feb).
  • For Transactions settled in current billing cycle (11 Jan - 10 Feb) but in next Calendar month (1 Feb - 28 Feb), say on 4 Feb will be will be credited within 7 days next month statement generation (by 17 Mar).
  • Settled transactions of full calendar month are added up and 1% is calculated of this cumulative, not of individual transactions.

So, statement generated on 11 Feb will have these NeuCoins:

  • 1% base NeuCoins + 1% previous billing cycle (11 Dec - 10 Jan) bonus NeuCoins + 1% calendar month (01 Jan - 31 Jan) UPI NeuCoins.
  • These NeuCoins will be credited to Tata Neu app within 7 days of statement generation.
  • NeuCoins are calculated and posted on nearest round integer, for example Rs 140 transaction will be calculated as (140*1% = 1.4 NeuCoins = 1 NeuCoin (round to nearest integer


Categories not eligible for Neu Coins: Rent, Wallet, Fuel, Govt, Smart EMI (non merchant EMI)


If you find it helpful, please upvote.

If there is anything I missed, please reply here, I will update this. 

Disclaimer
We are not SEBI/IRDA registered. The information provided herein is for education purposes only. We will not be responsible for any of your profit/loss with this channel's suggestions. Consult your financial advisor before making any decisions.

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Top Comments
Deal Newbie Deal Newbie
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Thanks bro

There is also a trick to get these cards LIFE TIME FREE

Anyone who wants can DM me

It will be applicable to only existing HDFC CREDIT CARD HOLDER

Deal Cadet Deal Cadet
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Not sure but if it's related to change employer to tata consultancy then don't do it. it may reflect in your cibil.

Helpful Helpful
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What is the expiry of the nuecoins earned by credit card?


Generous Generous
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The Neu Coins earned through promotional offers expire within a given period that can vary. For the Neu Coins earned on regular spends, each time you earn or

spend Neu Coins, your validity extend by a year. If you have 500 Neu Coins now that you earned 2 months ago, and do a shopping of 100 today, then your entire

Neu Coins would be valid for a year from now.

Finance Ninja Finance Ninja
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Luckily my billing date is 1st of the month so no worries on this. Both base and bonus tataneu coins are credited together for me .

143 Comments  |  
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Deal Newbie Deal Newbie
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Thanks bro

There is also a trick to get these cards LIFE TIME FREE

Anyone who wants can DM me

It will be applicable to only existing HDFC CREDIT CARD HOLDER

Entertainer Entertainer
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You can tell here no?

View 16 more replies
Helpful Helpful
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Detailed, No BS research 👏

Thank you for sharing this 🌟

Deal Cadet Deal Cadet
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Thanks for sharing...VU

Deal Cadet Deal Cadet
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If we buy something from neu on emi.. will we get coin?

Deal Subedar Deal Subedar
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No neucoins on EMI but neucoins are credited on principal amount after EMI cancellation. Current no other card gives rewards on EMI cancellation. 

View 4 more replies
Deal Subedar Deal Subedar
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One more thing to be mentioned, limits on neucoin on UPI transactions. 

Generous Generous
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Already mentioned.. max 500 per month

Helpful Helpful
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Neucoins earned on UPI are getting reversed😀

Benevolent Benevolent
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since when ?
Benevolent Benevolent
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Education fee is rewarded or not ?

Generous Generous
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Yes rewarded till now unless it comes under govt spends

Deal Cadet Deal Cadet
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What about electricity via Tata Neu app? Will I get neucoins?

Post Emperor Post Emperor
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Pay up to Rs 25000 and get reward points

Deal Subedar Deal Subedar
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UPI payment to bharatpe QR code will be awarded with neu coins ?

Generous Generous
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Yes we get neucoins on bharat qr payments

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Deal Lieutenant Deal Lieutenant
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Nice

Deal Subedar Deal Subedar
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Getting error on bharta

Screenshot2023-12-15-09-51-01-21944a2809ea1b4cda6ef12d1db9048ed3

pe qr that bank is not allowing.

Deal Cadet Deal Cadet
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You can pay only to the merchant QR not to the individual category QR code.

Helpful Helpful
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What is the expiry of the nuecoins earned by credit card?


Generous Generous
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The Neu Coins earned through promotional offers expire within a given period that can vary. For the Neu Coins earned on regular spends, each time you earn or

spend Neu Coins, your validity extend by a year. If you have 500 Neu Coins now that you earned 2 months ago, and do a shopping of 100 today, then your entire

Neu Coins would be valid for a year from now.

Deal Cadet Deal Cadet
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Vu. Nice informational post.

Deal Lieutenant Deal Lieutenant
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can i use all neo coins in single order?

Generous Generous
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Yes, you can. There is no such limit.

Finance Ninja Finance Ninja
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Luckily my billing date is 1st of the month so no worries on this. Both base and bonus tataneu coins are credited together for me .

Generous Generous
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Only UPI bonus coins will be credited together with base coins. Tata Neu app bonus coins of 3.5% or 1% will still be credited next month.
View 3 more replies
Post Tycoon Post Tycoon
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Awesome bro .!!!

Learn and post for lazy people like us...

Deal Cadet Deal Cadet
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are we getting 1% neu coin on UPI-PAYU PAYMENTS PVT. LTD. merchant?

Generous Generous
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Yes, we are getting on this merchant if it's not under Fuel, wallet, etc

Deal Cadet Deal Cadet
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thanks, can we check MCC codes for fuel and wallet txn in HDFC CC?

Generous Generous
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Only by calling customer care
Deal Newbie Deal Newbie
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What about insurance payments and what's the maximum neucoins get in a month for insurance payments ?

Deal Newbie Deal Newbie
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2000

Deal Newbie Deal Newbie
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nice documentation. useful to many. 

Helpful Helpful
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I heard that they are blocking the coins usage if you buy big amount electronic items for consecutive months and using your card in different tata Neu account.

Anyone plz confirm on this.

The PostMighty The PostMighty
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OP, the post would have benefited from also explaining how and where you can use NeuCoins. I believe you can use them only on the Tata Neu app except for recharges / bill payments (sadly). Thus, if you are not into any of the Tata brands then the Tata Neu cards are useless for you. Otherwise, they are the #1 recommendation for a RuPay CC on UPI card.

Deal Newbie Deal Newbie
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Does the payment of education fee eligible for new coins

Generous Generous
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Yes, education spends are eligible for Neu Coins only if it is not under govt MCC.

View 2 more replies
Deal Lieutenant Deal Lieutenant
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my statement is showing rewards against UPI transaction as 0, is it normal and points will be credit or not?

Generous Generous
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Was this your first statement? If yes, when was the bill generated? When was first upi transaction done, before 30 Nov or after 30 Nov?

View 6 more replies
Analyst Analyst
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congratulations @Ahtsham on being DEAL Subedar 🥳🌟🎊 tada 👏🏻
Helpful Helpful
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If i buy gift card from tata neu using sbi cb cc, then will i get 5% cb?

Deal Lieutenant Deal Lieutenant
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How to know it is ltf or not ?

Generous Generous
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Mail them at tataneucardsupport @ hdfcbank.com to know the LTF status of your cc.  I confirmed mine from the same.

Deal Hunter Deal Hunter
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Good explanation vu. Kg

Deal Subedar Deal Subedar
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This 1.5% on other spends, is it also valid for offline jewelry transactions such as tanishq store?

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