RuPay, Visa 📡 Contactless NFC

Tata Neu Plus HDFC Bank Credit Card

Joining Fee₹499

Annual Fee₹499

Forex Markup 3.5%

Apply Now →

⚖️ Card Verdict & Target Persona

Who Should Apply

Tata ecosystem shoppers buying groceries on BigBasket, medicines on 1mg, electronics on Croma, and flying Air India Express seeking 2%–7% valueback, RuPay UPI convenience, and domestic lounge visits.

Who Should Avoid

Users who do not shop within the Tata ecosystem or those seeking statement cash adjustments.

🎁 Key Features & Highlights

🎉

Joining & Activation Welcome Gift

499 bonus NeuCoins (worth ₹499) upon payment of joining fee and completing 1 transaction within 30 days

2% NeuCoins on Tata Brands

2% back as NeuCoins on Tata Neu and partner Tata brands (BigBasket, 1mg, Croma, Air India Express, Westside, Tata CLiQ, Titan, IHCL Hotels).

1% NeuCoins on RuPay UPI

1% back as NeuCoins on merchant UPI QR transactions via Tata Neu app (and 1% on other non-Tata retail spends).

Domestic Airport Lounge Access

4 complimentary domestic airport lounge visits per calendar year (1 visit per quarter on min ₹50,000 quarterly spend).

💰 Reward Structure & Point Valuation

1 NeuCoins = ₹1

Standard Base Earning

1% back as NeuCoins on all other non-Tata retail transactions (1 NeuCoin = ₹1.00)

Accelerated / Partner Rate

2% back as NeuCoins on Tata Neu app and partner Tata brands (BigBasket, 1mg, Croma, Westside, Tata CLiQ, Titan, Air India Express, IHCL Hotels) + extra 5% NeuCoins on Tata Neu app with NeuPass membership (total 7% return); 1% NeuCoins on eligible UPI spends

Points Validity:365 Days

Redemption Fee: ₹0 (Free)

Redemption Modes: 1:1 Redemption at Tata Neu Checkout (BigBasket, 1mg, Croma, Air India Express, Westside, Tata CLiQ, IHCL Hotels at 1 NeuCoin = ₹1.00)

🚫 No Reward Points / Cashback on:

Fuel Wallet Loads Rent Payments Government Transactions Jewellery Cash Advances EMI

🛋️ Airport Lounge Access & Spend Criteria

✓ Lounge Access Active

🛫

Domestic Lounge Visits4 complimentary domestic airport lounge visits per calendar year (1 visit per quarter)

🌐

International Lounge VisitsNone

⚠️

Spend Criteria: Requires minimum retail spend of ₹50,000 in the previous calendar quarter

⚡ Spend Milestones & Special Perks

Annual Fee Waiver ₹100,000/yr

Annual renewal fee of ₹499 is waived off on spending ₹1,00,000 or more in the previous anniversary year

UPI Payments Support✓ Supported (RuPay)

1% back as NeuCoins on merchant UPI transactions via Tata Neu app (capped at 500 NeuCoins/month)

Fuel Surcharge Waiver1% Surcharge Waived

1% fuel surcharge waiver for transactions between ₹400 and ₹5,000 (Capped at ₹250/mo)

📋 Eligibility Criteria

✓ Official Criteria

Age Limit21 - 60 Years

Min. Monthly Income₹25,000

Min. Credit Score720 CRIF

Employment TypeSalaried / Self-Employed

📊 Interest Rates & Charges

Finance Charges (Interest Rate / APR):3.60% per month (43.20% per annum)

Late Payment Penalties:Late payment charges slab-based up to ₹1,300

Official Bank Portal Application

Get the Tata Neu Plus HDFC Bank Credit Card

Annual Fee: ₹499/yr (Waivable)

Apply Online Now →

Personalized Card Matcher

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Frequently Asked Questions

No, Tata Neu Plus HDFC Bank Credit Card has a joining fee of ₹499 and an annual renewal fee of ₹499 (plus applicable taxes).

Tata Neu Plus HDFC Bank Credit Card ₹499/yr