The HDFC Bank offers two popular credit cards – the Tata Neu Plus and the Millennia Credit Card – that are preferred by millennials and young people. Each card has its own advantages and disadvantages. The Tata Neu Plus Credit Card is mainly focused on rewarding spends made with Tata, whereas the HDFC Millennia Card offers rewards on popular merchants like Swiggy, Zomato, Myntra, and Amazon, so it’s important to analyze your expenses and the benefits offered by each card before choosing one.

Both of these cards are unique and cater to individual needs and spending habits. The features of each credit card differ, with the exception of domestic lounge airport access. In this article, we will compare the benefits of both cards to help you decide which option is best suited for you.

Tata Neu Plus Vs HDFC Millennia Credit Card

Quick Glance – Tata Neu Plus Credit Card

With the below-given points you shall see the advantages and disadvantages of the Tata Neu Card.


  • Offers a reward rate of up to 7% for spends made with Tata brands.
  • You can link this credit card to UPI and make spends with your phone.


  • Has a cap of 1,000 points for spends made on groceries.
  • This card doesn’t offer an additional reward of 5% for, while the HDFC Millennia Card does.
  • NeuCoins shall expire from 365 days of earning.

Quick Glance – HDFC Millennia Credit Card

Below are the advantages and drawbacks of the HDFC Millennia Credit Card.


  • It offers a 5% cashback on extremely popular online merchants like Swiggy, Amazon, Myntra, and Zomato.
  • 20% discount through Swiggy Dineout.
  • Offers quarterly spend-based benefit of Rs. 1,000 on spending Rs. 1 lakh each quarter.


  • This card isn’t available on the RuPay network and hence cannot be used to make UPI spends.
  • Cash points are only valid for a period of two years.

Neither of these cards offers any rewards for rental, government, or fuel payments.

Comparison of Tata Neu Plus and HDFC Millennia Card

Let us now compare the top features of both the Tata Neu Plus and HDFC Millennia Credit Card.

Features Tata Neu Plus HDFC Millennia Card
Joining/Renewal Charge ₹499 + GST ₹1,000 + GST
Welcome Benefits 499 NeuCoins 1,000 CashPoints
Rewards Rate 2% & 1% Cashback While Shopping on Tata and Non-Tata Brands Respectively. Additional 5% On the Tata Neu App 5% Cashback at Select Partner Merchants and 1% Cashback on All Other Spends
Domestic Lounge Access One Each Quarter, Four Each Year One Each Quarter, Four Each Year
Reward Point Value 1 Neu Coin = ₹1 1 Cashpoint = ₹1

Who’s the Winner?

Let’s break this down into simpler parts. We’ll discuss the top features of these credit cards one by one. Let’s start with the fees. While the HDFC Millennia Credit Card comes with a fee of Rs. 1,000, the Tata Neu Plus Credit Card comes with a lower fee of Rs. 499. So, if you plan to spend Rs. 500 or less in a year, the Tata Neu Credit Card is the right choice for you. It’s best to remember that both these cards offer benefits worth the joining fee. Here’s a bonus tip – HDFC Bank comes out with creative offers like First Year Free for their top cards from time to time.

Now, coming to the main highlight of any credit card – its reward structure. With the Tata Neu Card, you’ll earn cashback in the form of NeuCoins. You get 2% NeuCoins for spends on Tata Brands, 1% NeuCoins for non-Tata brands, and you might earn 5% cashback on select categories. On the other hand, the HDFC Millennia Credit Card provides straight-up 5% cashback as cash points on partner merchants and 1% cashback for other spends. These partner merchants include Amazon, Myntra, Sony Liv, Tata CLiQ, BookMyShow, Zomato, and Swiggy. Clearly, in the rewards section, HDFC Millennia is the winner as it offers a higher discount rate on some of the most popular merchants in India.

Another thing to keep in mind is that you can redeem NeuCoins at Tata Brands, while CashPoints received with the HDFC Millennia Credit Card can be used against your credit card bill, hence offering more flexibility. CardInsider recommends opting for the HDFC Millennia Credit Card as it offers better rewards on popular merchants and also provides spend-based benefits, which are not available with the Neu Card. We’d love to hear your thoughts on both of these cards in the comments section below.

Write A Comment