Do you have HDFC Core CC? If yes then Tata Neu CC approval will take 2 to 3 days
If no
Then first apply for HDFC Core CC, if you have taken HDFC co-branded CC then it is difficult to take core cc
I had contacted Tata Neu’s customer care (chat) in their app, to specify my preference for RuPay. After some time, they had called me directly on my phone.
I wanted RuPay since I didn’t have any RuPay card till then. But as regards usage, I did not/do not encounter any drawbacks of any sort.