Welcome Benefits :- 

• The cardholders get 1,499 bonus Neu Coins as a welcome benefit, which is equivalent to the joining fee of this card.

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Rewards & Benefits :- 

Movie & Dining

NA

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Rewards Rate

10% cashback (in the form of Neucoins) on the Tata Neu app, 5% cashback on Tata partner brands, and 1.5% cashback elsewhere.

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Reward Redemption

The earned Neu Coins can be redeemed against Tata partner brands on the tata Neu app at a rate of 1 Neu Coin = Re. 1.

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Travel 

NA

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Domestic Lounge Access

8 complimentary domestic lounge access every calendar year

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International Lounge Access

4 complimentary international lounge access each year

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Fees & Charges :- 

Spend-Based Waiver

The renewal fee is waived off on achieving annual spends of Rs. 3 lakhs or more.

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Rewards Redemption Fee

Nil

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Foreign Currency Markup

2% of the total transaction amount.

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Interest Rates

3.49% per month, i.e, 41.88% per annum

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Fuel Surcharge

1% fuel surcharge waiver for all fuel transactions in India between ₹400 and ₹5,000.

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Cash Advance Charges

2.5% of the withdrawn amount, subject to a minimum fee of Rs. 500.

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Product Details :- 

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• Welcome bonus of 1,499 Neu Coins.

• Get 10% NeuCoins on your spends on Tata Neu app.

• Get 5% NeuCoins on Tata’s partner brands and 1.5% Neu coins on other spends.

• Get complimentary domestic and international lounge access.

• Low foreign currency markup fee of 2%.

• 1% fuel surcharge waiver up to Rs. 500 per month.

• Spend-based waiver of the renewal fee.

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Pros/Cons :-

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Pros

• 10%  cashback on the Tata Neu app.

• Low foreign currency markup of 2%.

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Cons

• NeuCoins expire after a period of one year.

• The minimum spend for the annual fee waiver is at a high price of ₹3 Lakhs.