The HDFC Tata Neu Credit Card consists of a complimentary subscription to Tata's loyalty program
https://credit-card-benefit948.yousher.com/maximizing-rewards-with-hdfc-tata-neu-credit-card
The HDFC Tata Neu Charge card includes a complimentary membership to Tata's commitment program, allowing users to redeem points across different brands within the Tata group.