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HDFC TATA Neu Credit Card NeuCoins Explained

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Generous
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 .

142 Comments  |  
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Deal Cadet Deal Cadet
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tata neu credit card customer care email id pls

Deal Cadet Deal Cadet
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So, there is a capping of 500 NeuCoins done by UPI in a monthly billing cycle iirc. Is this applicable on transactions done on Tata Neu app as it provides 5% unlimited NeuCoins on the transaction value within the app?

Deal Cadet Deal Cadet
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I believe the 500 cap is only for UPI, the 5% unlimited neucoins for transactions via tataneu app have a separate capping.
View 1 more reply
Helpful Helpful
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How many neu couns is tata neu giving on upi txns ?

Is rupay cc option coming ?

Generous Generous
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1.33 or 1.5% TN Coins on TN Infinity Rupay Cc Upi Max Upto 500 Coins

Deal Cadet Deal Cadet
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@Ahtsham

Can any expert dimer guide me how I can get max cashback or coins on below scenarios..

1) Payment on joimart website using , neu card as credit card vs scan or pay with neu card upi id

2) bill Payment on insurance co website say icici lombard , with neu card as credit card / scan or pay with neu card upi id OR pay under neuapp tata pay bill pay category

3) Bigbasket payment under neu app using, neu card as credit card vs using neu card upi id

Benevolent Benevolent
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UPI rewards have a limit of 500 nue coins per statement.
1. 1.5% either way but remember above rule.
2. seems they stopped rewarding all this together.
3. Use CC so you get 5% from bb+5% accelerated rewards of nue.
View 5 more replies
Deal Subedar Deal Subedar
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It gives 5% unlimited on Tanishq gift card???

Helpful Helpful
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For infinity, is the minimum UPI transaction to get any neucoin Rs.67?

Generous Generous
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No,  there is no such minimum UPI transaction. You get 1.5% coins on the total of all UPI transactions done in a month.

Deal Lieutenant Deal Lieutenant
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I am not able to use neucoins on postpaid bill payments.

Any idea?

Generous Generous
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Neu coins redemption not allowed on bill payment

Deal Subedar Deal Subedar
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Do we get neucoins on utility upi payment 

Shopping Friend Shopping Friend
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they blocked my neucoins , no credit no debit

what could the security issue ? idiot company

Deal Lieutenant Deal Lieutenant
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Is this Rupay CC ?

Generous Generous
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Yes

Deal Newbie Deal Newbie
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Hey thanks for the detailed post. One query, isn't there an additional 5% cashback apart from the 5% you've explained for all partner brands (online/offline)?

Generous Generous
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Yeah, that 5% is offered by Tata Neu and credited directly into their app. It has nothing to do with HDFC or its credit card. That's why I didn't mentioned here.

View 3 more replies
Deal Cadet Deal Cadet
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In the card cc number is there call and confirm

Commentator Commentator
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1. Can I use Neu coins in offline store like Tanishq?

2. I got my Tata Neu Infinity recently. In Tata Neu app. it was showing FYF before applying for this card, later I used TCS trick and applied for this and got the card delivered. Nothing was written about charges in the letter received with card. Now, how to know that my card is LTF or not?

Talk-Of-The-Town Talk-Of-The-Town
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I have plus ltf, how to get infinity ?

Deal Hunter Deal Hunter
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If you have above 1.5L limit , send email to HDFC for infinity upgrade . They will do it.

Deal Cadet Deal Cadet
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Will I get Neu coins if I purchase with the Hdfc EMI instant discount offer? Does anyone know about it?

Generous Generous
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Yes, you will get Neu Coins

Deal Lieutenant Deal Lieutenant
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Hey bro , suppose i get this credit card on 1 jan 2023 for first year FREE and then chargeable. When i can close this card that i will escape charges ?

Generous Generous
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Not sure about this, but it should be around 15 days before, as some banks can take such time to close the card completely.

View 1 more reply
Post Emperor Post Emperor
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If not LTF then useless to take this card.  All cards reduce rewards afterwards.

Commentator Commentator
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How do you know your approved neu card is LTF ?  also if you use payzapp to pay bill payments will it give the same 5% CB?

Crusader Crusader
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To know the ltf status..

Check in tata neu app..

Credit card dashboard - neu card privileges -view all

Joining fee and annual fee should be zero

View 14 more replies
Wingman Wingman
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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)

Deal Lieutenant Deal Lieutenant
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Can anyone explain me fuel surcharge waiver for this card please?

Generous Generous
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1% fuel surcharge waiver on all fuel stations (on minimum transaction of â‚č400 & maximum transaction of â‚č5,000). Maximum waiver of â‚č500 per statement cycle

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Deal Subedar Deal Subedar
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I got it FYF around 6 months back. How do I ask CC to make it LTF?


Crusader Crusader
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Request for ltf in a polite way.. if your spends are good in this Card..they can convert to ltf..

If not done this month..try again next month

Deal Newbie Deal Newbie
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i will do pos swipe in tanisque showroom. i have tata neu plus. then how much neucoins can i get. if shopping of 1lakh 

Generous Generous
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U will get 2000 (2%) neu coins on Tanishq using Tata Neu Plus. For Tanishq and Titan, rewards will be given for max 3 lakhs in a month and 9 lakhs in a year purchase for Tata Neu Plus.

Wingman Wingman
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banger

Deal Cadet Deal Cadet
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Any neucoins on Tata AIA premium ?

Crowdpuller Crowdpuller
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Good detailed post... Ty

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?

Deal Hunter Deal Hunter
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Good explanation vu. Kg

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.

Helpful Helpful
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If i buy gift card from tata neu using sbi cb cc, then will i get 5% cb?

Analyst Analyst
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congratulations @Ahtsham on being DEAL Subedar đŸ„łđŸŒŸđŸŽŠ tada đŸ‘đŸ»
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