Adani One Credit Card v. Tata Neu Credit Card
- Vaani Shrivastava
- Jun 27, 2024
- 7 min read
Updated: Dec 8, 2025
Adani One Credit Card v. Tata Neu Plus HDFC Credit Card
With the current dynamic financial environment, the way you live and your financial well-being depend so much on the selection of the correct credit card. There are many choices, but it is important to make the right choice that would correspond to your budgetary practices and financial aspirations. The Adani One Credit Card and the Tata Neu Plus HDFC Credit Card are among the numerous options that have been identified among the relevant competitors, and both of them have a different mix of advantages and features to offer.
The Adani One Credit Card is one of the products introduced by the Adani Group in order to offer a smooth and enriching experience to its customers, particularly to travellers and shoppers. It also has an assortment of benefits, such as travelling perks, shopping perks, and entry to the ecosystem of Adani services. Conversely, the Tata Neu Plus HDFC Credit Card is a joint venture of the Tata Group and HDFC Bank, which offers a holistic rewards program that is designed to be in line with the contemporary consumer. This card presents powerful advantages within many spheres: shopping, restaurants, travelling, and entertainment based on the large Tata Neu system.
This comparison and analysis will delve into the characteristics, advantages, and possible limitations of the two credit cards. At the conclusion, you will be in a better position to know the card that would suit your financial requirements and lifestyle better.
Detailed Comparison
Many people have come to depend on credit cards as a tool of finance, which helps them in terms of convenience, reward, and in some cases, a status symbol. In India, there are two prominent alternatives: the Adani One credit card and the Tata Neu Plus HDFC credit card. They are both co-branded with their respective conglomerates and come with benefits of various benefits, depending on the spending patterns of the customers. The following is a close comparison between the two.
Adani One Credit Card
Pros:
Adani ecosystem spends, such as flights, hotels, and so on, have high reward points.
Free services in the airports, including a lounge, porter services, and high-quality parking in Adani-operated airports.
Card savings and strong incentives for the activation of cards.
Other expenses, such as movie tickets, will benefit.
Cons:
Joining and annual fees might be unreasonable to persons who do not use the Adani ecosystem on a regular basis.
The incentives are highly biased towards expenditure on the Adani system, and it may not be beneficial to all the users.
Fees & Charges:
On a yearly basis, a fee of [?]499 is payable, but it can be dispensed by spending a designated sum of money during a period of one year.
One of the transactions of NeuCoins is limited to a monthly limit.
Tata Neu Plus HDFC Credit Card
Pros:
Get NeuCoins on any spend, which can be redeemed throughout the Tata ecosystem.
Extra NeuCoins in various categories upon using the Tata Neu App.
Complementary domestic lounge.
Reduced annual fee as compared to the Adani One Credit Card.
Cons:
Rewards come as NeuCoins, and that might not attract people seeking cashback or even direct discounts.
Certain categories do not earn NeuCoins, such as fuel, wallet loads, and some of the bill payments.
Fees & Charges:
An annual fee of ₹499, which can be waived off on spending a specified amount within a year.
NeuCoins earned on certain transactions have a monthly cap.
The option between the Adani One credit card and the Tata Neu plus HDFC credit card depends on how you spend and on which brand you are loyal to. The Adani One Credit Card might be more valuable to you, especially should you regularly use services in the Adani ecosystem, since it comes with higher charges. However, in case you want to have a more extensive repertoire of rewards and a less expensive fee system, the Tata Neu Plus HDFC Credit Card could be the superior choice. Never make up your mind without thinking of the gamble you bring with you financially in the long run when it comes to using a credit card. This is in more detail on the official websites of both ICICI Bank and HDFC Bank.
Conclusion
To summarise, the Adani One Credit Card and the Tata Neu Plus HDFC Credit Card have different benefits, which serve various customers with their tastes and lifestyles. The Adani One Credit Card is unique and has a robust rewards program that is devoted to the services of the Adani group and provides significant benefits to the frequent customers of Adani airports, gas stations, and other related services. Its handsome welcome bonuses and cashback plan make it a good-paying option among the Adani ecosystem members.
Conversely, Tata Neu Plus HDFC Credit Card offers a more diversified rewards system, which attracts a larger audience. It offers a one-stop solution to users who want to gain value in several areas of their expenses by offering a broad range of tie-ups with several companies of the Tata group, such as retail, hospitality, and digital services. The added value that comes with the card, like free access to airport lounges and fuel surcharge fees, also adds to the value for the frequent traveller and the everyday spender.
In the end, choosing between these two credit cards really comes down to your lifestyle and spending habits. If you regularly use Adani services and want rewards that fit your routine, the Adani One Credit Card could be a great fit. On the other hand, if you prefer a card that offers benefits across different categories and everyday spending, the Tata Neu Plus HDFC Credit Card might be the better option. Take a moment to think about what matters most to you—your needs, goals, and daily expenses—so you can pick the card that truly works for your life.
FAQs
Adani One ICICI Credit Card
Q: What are the different types of Adani One ICICI Bank Credit Cards?
There are two variants: Adani One Platinum Credit Card and Adani One Signature Credit Card. The Signature card offers higher reward points and more exclusive airport benefits.
Q: How much do the Adani One Credit Cards cost annually?
The annual fees depend on the card variant. Check our website for current fee information.
Q: What kind of rewards do I get with this card?
You earn reward points on your spending. You'll earn bonus points for spending within the Adani One ecosystem (airports, gas stations, electricity bills, etc.) compared to other categories.
Q: How do I redeem my reward points?
Reward points can be redeemed for various options like statement credit, vouchers, or merchandise, as per ICICI Bank's program guidelines.
Q: What are the airport benefits offered with these cards?
The benefits vary depending on the card variant. They can include lounge access, complimentary porter services, and car parking discounts at Adani-managed airports.
Q: Are there any welcome vouchers with these cards?
Yes, both cards offer welcome vouchers upon card activation. The Signature card typically offers a higher value voucher.
Q: How can I apply for an Adani One ICICI Bank Credit Card?
You can apply online through the ICICI Bank website or visit an ICICI Bank branch.
Q: What documents do I need to apply for the card?
You'll need your PAN card, Aadhaar card, and proof of income (salary slips or bank statements). The bank may ask for additional documents depending on your profile.
Q: Can I use video KYC to complete my application?
Yes, both video KYC and in-person KYC options are available for verification.
Q: How long does it take to get the card after applying?
The processing time can vary depending on your application and verification. In some cases, approval can be as quick as 30 minutes.
TATA Neu Plus HDFC Credit Card
Q: What are the joining and annual fees for the TATA Neu Plus HDFC Credit Card?
The joining fee is ₹499 + GST and the renewal fee is ₹499 + GST for each year you hold the card.
Q: How can I earn NeuCoins with the TATA Neu Plus HDFC Credit Card?
You can earn NeuCoins on your spending with the card. You'll earn:
7% back in NeuCoins (including an additional 5% via NeuPass membership) on spending at select Tata brands (e.g., bigbasket, Croma, Westside)
2% back in NeuCoins on spending at other partner Tata brands (when not using EMI)
1% back in NeuCoins on all other spending (except fuel, government payments, etc.)
Q: What are NeuCoins and how can I redeem them?
NeuCoins are like reward points earned through your TATA Neu Plus HDFC Credit Card. They are worth ₹1 each and can be redeemed for purchases across various Tata brands on the Tata Neu app.
Q: What are the benefits of NeuPass membership?
NeuPass is a complimentary loyalty program that unlocks additional benefits for your TATA Neu Plus HDFC Credit Card. This includes the extra 5% NeuCoins back on select Tata brands.
Q: Does the TATA Neu Plus HDFC Credit Card offer any airport lounge access?
Yes, you get complimentary access to 4 domestic airport lounges per year.
Q: Does the card offer any fuel surcharge waiver?
Yes, you get a 1% fuel surcharge waiver on your fuel transactions, up to a maximum of ₹250 per statement cycle.
Q: Are there any welcome benefits associated with the card?
Yes, you will receive a welcome bonus of 499 NeuCoins upon completing your first transaction with the card.
Q: What are the eligibility criteria for applying for the TATA Neu Plus HDFC Credit Card?
The eligibility criteria for the card can vary depending on your income and credit history. It's best to check with HDFC Bank directly for the latest requirements.
Q: How can I track my NeuCoins balance and transaction history?
You can view your NeuCoins balance and transaction history within the Tata Neu app.
Q: How do I make a payment for my TATA Neu Plus HDFC Credit Card bill?
You can make payments for your credit card bill through various methods, including online banking, mobile banking apps, NEFT/RTGS, or by visiting an HDFC Bank branch.
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The HDFC Tata Neu Credit and the Adani One Credit card doesn't make people over 67 years of age eligible. They can take a Bank Fixed Deposit and give 90% as Credit for the Credit Card thereby allowing more people access and the companies too benefit.