Tata Neu Plus HDFC Bank Credit Card benefits
- Rewards2%
back as NeuCoins on non-EMI spends at partner Tata brands
- Rewards1%
back as NeuCoins on other eligible spends and merchant EMI
- RewardsUp to 1%
on UPI spends with the RuPay card
capped at 500 NeuCoins a month
- Gift1
domestic lounge voucher per quarter on ₹50,000 spend in that quarter
- Fuel1%
fuel surcharge waiver
up to ₹250 per statement cycle
- Fees
Renewal fee waived on ₹1,00,000 of yearly spends
Tata Neu Plus HDFC Bank Credit Card rewards and cashback
| Where you spend | Rate | Monthly limit |
|---|---|---|
| Tata Neu brandsNon-EMI spends on partner Tata brands. A fair usage policy sets spend limits for each brand. | 2 points per ₹100 | None |
| GroceriesGrocery spends earn at the normal 1% rate, but only up to 1,000 NeuCoins a month. | 1 points per ₹100 | 1,000 |
| Bills and utilitiesUtility and telecom and cable spends are each capped at 2,000 NeuCoins a month, so 4,000 is the most for both together. Insurance is a separate 2,000 a month. | 1 points per ₹100 | 4,000 |
| Online shoppingExtra 5% on selected categories on the Tata Neu app or website. You must register for NeuPass and use the primary cardholder's mobile number account. Not counted in our maths. | 5 points per ₹100 | None |
| Everything else | 1 points per ₹100 | None |
We value one point at ₹1 in the usual redemption.
No rewards on: Fuel, wallet loads, gift or prepaid card loads, vouchers, cash advances, card fees, Smart EMI and Dial an EMI, rent, government payments, online gaming and skill-based gaming, and education payments made through third-party apps such as CRED, Cheq and MobiKwik.
All reward rules
- Rewards come as NeuCoins. 1 NeuCoin = ₹1 when used on Tata Neu and eligible Tata brands.
- 2% NeuCoins on non-EMI spends at partner Tata brands, and 1% on other brands and on merchant EMI. Only the EMI principal earns NeuCoins.
- Eligible UPI spends on the RuPay card earn up to 1% (0.25% on any UPI ID, plus 0.75% with the Tata Neu UPI ID). UPI NeuCoins are capped at 500 a month.
- From 25 November 2026, NeuCoins are no longer credited automatically. The primary cardholder must claim them in the Tata Neu app within 12 months of the statement date, at least 100 NeuCoins per claim. Unclaimed NeuCoins expire.
- Insurance spends earn up to 2,000 NeuCoins a month.
What the Tata Neu Plus HDFC Bank Credit Card gives back in a year
Say you spend ₹30,000 a month, like our “online shopper” pattern, using Tata Neu brands where the card pays extra. Worked out with the same maths as the calculator above.
| Spending | A month | Back | A year |
|---|---|---|---|
| Groceries | ₹3,000 | 1% | ₹360 |
| Dining and food delivery | ₹2,000 | 1% | ₹240 |
| Online shopping | ₹18,000 | 2% | ₹4,320 |
| Travel | ₹1,000 | 1% | ₹120 |
| Fuel | ₹1,000 | 0% | ₹0 |
| Bills and utilities | ₹2,000 | 1% | ₹240 |
| Everything else | ₹3,000 | 1% | ₹360 |
| Total | ₹30,000 | ₹5,640 | |
| Renewal fee with GST | Waived | ||
| You keep | ₹5,640* |
Tata Neu Plus HDFC Bank Credit Card annual fee and charges
- Joining fee
- ₹499
- Annual fee
- ₹499
- Fee waiver
- ₹1,00,000 a year
Fees are before GST. The renewal fee is waived if you spend ₹1,00,000 or more in a year before the renewal date. The welcome benefit of 499 NeuCoins is given as a reversal of the first year fee. The foreign currency markup for this card is not stated in the documents we checked.
Fuel surcharge: 1% waiver on fuel transactions from ₹400 to ₹5,000. Maximum waiver is ₹250 per statement cycle.
Tata Neu Plus HDFC Bank Credit Card eligibility
- Age
- 21 to 65
- Salaried income
- ₹3,00,000 a year
- Self-employed income
- ₹6,00,000 a year
Indian nationals. Salaried: age 21 to 60 and monthly income of ₹25,000. Self-employed: age 21 to 65 and annual ITR above ₹6,00,000.
The bank alone decides approval and your credit limit.
Tata Neu Plus HDFC Bank Credit Card lounge access
4 domestic visits a year. Banks often set a spend condition, so read the reward rules above.
1 domestic lounge voucher per calendar quarter, only if you spend ₹50,000 or more in that quarter. Claim within 120 days and use within 180 days. No international lounge benefit is listed.
Is the Tata Neu Plus HDFC Bank Credit Card right for you?
A card with a ₹499 fee that spending can waive, paying 2% at Tata Neu brands and an above-average 1% elsewhere.
Worth its fee if you spend about ₹4,000 a month or more. Below that, the ₹499 fee costs more than the card gives back on spending like the example above.
Good for you if
- You spend a lot at Tata Neu brands: the card pays 2% back there, against 1% on most other spends.
- You spend ₹1,00,000 a year or more (about ₹8,400 a month), so the ₹499 renewal fee is waived.
- You fly a few times a year: it includes 4 domestic airport lounge visits a year.
- You pay by UPI: it is a RuPay card you can link to UPI apps and use at shop QR codes.
Not for you if
- You spend less than about ₹8,400 a month: you would pay ₹589 a year with GST.
- You rarely use Tata Neu brands: outside them the card pays 1%.
Check the latest fees and terms on the bank's page before you apply.
Alternatives to Tata Neu Plus HDFC Bank Credit Card
Two similar cards to weigh up before you apply. The last column shows what each may be worth on ₹30,000 a month of mixed spending, after the renewal fee with GST. Rates paid only at named brands are not counted, so a brand card can earn more if you shop there.
| Card | Annual fee | Rewards up to | You keep a year |
|---|---|---|---|
| Tata Neu Plus HDFC Bank Credit Card | ₹499 | 5% | ₹3,240* |
| PhonePe SBI Card SELECT BLACK | ₹1,499 | 10% | ₹6,720* |
| Tata Neu Infinity HDFC Bank Credit Card | ₹1,499 | 5% | ₹4,860* |
If most of your spending looks like the example above, the PhonePe SBI Card SELECT BLACK may suit you better: it would leave you ₹11,880 a year, against ₹5,640 with the Tata Neu Plus HDFC Bank Credit Card.
*Estimate only, not a promise. We work it out from the bank's published terms and the spending you enter. What you actually get depends on the bank, your transactions and any change in its terms.
Frequently asked questions
What is the annual fee of the Tata Neu Plus HDFC Bank Credit Card?
HDFC Bank's card page does not print the fee. It describes the welcome benefit as 499 NeuCoins as a reversal of the first year membership fee, so the fee is ₹499 plus GST. The renewal fee is waived if you spend ₹1,00,000 or more in a year before the renewal date.
Is the Tata Neu Plus credit card lifetime free?
Not under the standard terms. A yearly fee applies, and you can avoid the renewal fee by spending ₹1,00,000 or more in a year. Some offers may differ, so check the fee shown when you apply.
What is the eligibility for the Tata Neu Plus HDFC Bank Credit Card?
Salaried applicants must be 21 to 60 years old with a monthly income of ₹25,000. Self-employed applicants must be 21 to 65 years old with an annual ITR (income tax return) above ₹6,00,000. You must be an Indian national.
What is the NeuCoins limit on the Tata Neu Plus card?
Grocery spends earn up to 1,000 NeuCoins a month. Utility, and telecom and cable, are each capped at 2,000 a month, and insurance at 2,000 a month. UPI spends are capped at 500 NeuCoins a month.
Does the Tata Neu Plus credit card give airport lounge access?
Yes, for domestic lounges. You get 1 voucher per calendar quarter, up to 4 a year, when you spend ₹50,000 or more in that quarter. You must claim it within 120 days.
Which spends earn no NeuCoins on the Tata Neu Plus card?
Fuel, wallet loads, rent, government payments, online gaming and skill-based gaming earn nothing. Education payments through third-party apps also earn nothing, but payments made directly to a school or college do.