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Tata Neu Plus HDFC Bank Credit Card

HDFC Bank

Tata Neu Plus HDFC Bank Credit Card

Data last verified: 11 October 2026

ShoppingRUPAY
  • Joining fee₹499 + GST
  • Annual fee₹499 + GST
  • Reward rate1% on most spends; 2% only at partner merchants
Apply NowIs It Worth It for Me?

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  • Joining fee₹499 + GST
  • Annual fee₹499 + GST
  • Fee waiverOn ₹1 lakh spend a year
  • Forex markup3.5%
  • Interest (APR)3.75% a month, 45% a year
  • Fuel surcharge waiver1%
  • Fuel waiver cap₹250 a month

This card earns NeuCoins, worth Re 1 each on Tata Neu. You get 2% at Tata brands like BigBasket, Croma, Tata CLiQ and 1mg, and up to 7% on select categories inside the Tata Neu app with NeuPass. Other spends, including UPI on RuPay, earn 1%. Grocery, insurance and utility bills earn the 1% base with monthly caps.

It costs ₹499 a year plus GST and the fee is waived once you spend ₹1 lakh in the year. You also get 499 NeuCoins for a transaction within 30 days of getting the card.

It suits people who already shop on Tata Neu. The catch is that NeuCoins expire after 12 months and work only on Tata platforms, and lounge visits need Rs 50,000 of spend in the quarter.

Best for: Tata Neu app users, UPI users wanting a RuPay card, Beginners wanting a low-fee card.

01Tata Neu Plus HDFC Bank Credit Card Rewards and Benefits

Rewards rate
1% on most spends; 2% only at partner merchants
Fee waived on
₹1 lakh spend a year
Reward redemption
Not published
Dining
1% back (the normal rate)
Travel
1% back (the normal rate)
Golf
Not included
Domestic lounge
4 visits a year
International lounge
Not included
Insurance benefits
Not included

02Tata Neu Plus HDFC Bank Credit Card Annual Fee and Charges

Joining fee
₹499 + GST
Annual fee
₹499 + GST
Spend-based waiver
Annual fee waived on ₹1 lakh spend in a year (rent and wallet loads not counted)
Rewards redemption fee
Nil
Forex markup
3.5%
Interest rate
3.75% a month (45% a year)
Fuel surcharge waiver
No
Card replacement
Not published

03What It's Worth, in Rupees

If you spend ₹20,000 a month on this card:

  • ₹20,000 on everything else, earning 1%₹200
  • Back each month, ₹2,400 a year₹200
  • Annual fee with 18% GST (waived at this spend)₹0
  • In your pocket each year₹2,400

Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.

Good for

  • Online shopping only at Tata Neu, BigBasket, Croma, Tata CLiQ, 1mg: 2% back
  • Spending ₹8,333 or more a month: the ₹589 fee is waived
  • Flyers: 4 airport lounge visits a year

Skip it if…

  • you spend less than ₹8,333 a month (₹1,00,000 a year, rent and wallet loads not counted): the ₹589 fee is then charged
  • most of your spending is fuel, rent, wallet top-ups or government payments: those earn nothing on this card
  • you rarely spend on Tata Neu, BigBasket, Croma, Tata CLiQ, 1mg: the 2% rate applies only there, everything else earns 1%
  • you often pay in foreign currency: 3.5% is added to every foreign spend
  • you sometimes pay only the minimum due: interest of 3.75% a month (45% a year) outweighs any reward

04Product Details

  • ₹499 joining and annual fee, waived at ₹1 lakh yearly spend
  • 2% NeuCoins at Tata Neu, BigBasket, Croma, Tata CLiQ and 1mg
  • Up to 7% on select Tata Neu app categories with NeuPass
  • 1% NeuCoins on other spends, including UPI
  • 499 NeuCoins on a transaction within 30 days
  • 4 domestic lounge visits a year, 1 per quarter with ₹50,000 spend

05Pros and Cons

Pros

  • Welcome NeuCoins match the fee
  • Easy ₹1 lakh waiver
  • 1% on UPI spends

Cons

  • NeuCoins expire in 12 months and work only on Tata
  • No rewards on fuel, rent, wallets or gift cards
  • Lounge visits need ₹50,000 quarterly spend

06How Tata Neu Plus HDFC Bank Credit Card earns Rewards

1% on most spends; 2% only at partner merchants.

Earns nothing onFuelWallet loadsRentGovernmentOnline gamingCash withdrawalsGift cardsSmartEMI and Dial-an-EMI conversionsEducation paid via third-party apps

Spend categoryRateMonthly capWhere it applies
UPI payments (scan and pay)1%No capThe card's normal rate
Online shopping1%No capAnywhere else in the category
Online shopping, only at listed merchants2%No capOnly at: Tata Neu, BigBasket, Croma, Tata CLiQ, 1mgTerms: 2% NeuCoins on partner Tata brands (1% base + 1% additional). NeuPass adds 5% more on selected categories bought inside the Tata Neu app only, with registration, up to ~7% at best. NeuCoins expire 12 months from end of credit month and are Tata-only.
Dining and food delivery1%No capThe card's normal rate
Groceries1%₹1,000All merchants in the categoryTerms: Grocery earns the base 1% NeuCoins, capped 1,000 NeuCoins a calendar month, half the Infinity's ceiling. BigBasket bought through Tata Neu earns the 2% Tata-brand rate instead.
Travel: flights, hotels, trains1%No capThe card's normal rate
FuelEarns nothing-earns nothing on this card
Bills and recharges1%₹2,000All merchants in the categoryTerms: Utility bills earn the base 1% NeuCoins, capped 2,000 NeuCoins a calendar month. Telecom and cable carry their own separate 2,000-NeuCoin monthly cap.
RentEarns nothing-earns nothing on this card
Insurance premiums1%No capAnywhere else in the category
Insurance premiums, only at listed merchants1%₹2,000Only at: LIC and other insurers, paid via bill payments on the Tata Neu appTerms: Insurance premiums earn the base 1% NeuCoins, NOT the 2% Tata-brand rate, capped 2,000 NeuCoins a calendar month. Per HDFC's FAQ updated 7 January 2026.
School and college fees1%No capThe card's normal rate
Wallet top-upsEarns nothing-earns nothing on this card
Taxes and government paymentsEarns nothing-earns nothing on this card
Spend abroad or in a foreign currency1%No capThe card's normal rate
Everything else1%No capThe card's normal rate

Listed underShopping cardsRewards cards

CardAdvisor tagsOnline shoppingReward points

Terms on the base rate. 1% NeuCoins on non-Tata spends; UPI (RuPay) earns ~1% (Tata Neu UPI ID bonus capped 500 NeuCoins a month)

07Tata Neu Plus HDFC Bank Credit Card Lounge Access and Travel

Domestic lounge access is 4 visits a year. Spend Rs 50,000 in the same quarter for domestic lounge access. Spending abroad carries a 3.5% forex markup; rewards on it: 1% back (the normal rate). See what it costs on your trip

Also on the card. airport lounge access.

  • Airport lounge access: 4 domestic lounge visits a year (max 1/quarter), unlocked by ₹50,000 of spend in that calendar quarter

08Tata Neu Plus HDFC Bank Credit Card Eligibility and Documents

Age
21 to 60 years
Minimum monthly income
₹25,000

09Recent Changes

What HDFC Bank changed on this card recently. The facts on this page already reflect them.

DateChangeBeforeNow
25 Nov 2026Changed: NeuCoins must be claimed in the Tata Neu AppSource: HDFC BankNeuCoins credited to the Tata Neu account by themselves after each statement, valid 12 monthsClaim them in the Tata Neu App (NeuCard, Claim NeuCoins) within 12 months of the statement, or they expire; claimed coins stay valid 12 more months. At least 100 NeuCoins a claim, up to 3 claims a day. Welcome and promotional NeuCoins keep the expiry they were given
15 May 2026Reduced: Dynamic currency conversion markup raised to 1.75%Source: HDFC Bank1% markup1.75% markup
1 Aug 2025Reduced: NeuCoins given a 12-month expiryNo fixed expiry (effectively indefinite)12 months from end of credit month
1 Jul 2025Reduced: 1% fee added on rent, wallet loads and online gamingSource: HDFC BankNo category surcharge on rent, wallet loads or gaming1% on rent (cap ₹4,999 per transaction); 1% on wallet loads and on online skill-based gaming above ₹10,000 a calendar month (cap ₹4,999 a month)
1 Jul 2025Reduced: 1% fee on utilities above Rs 50,000 and on third-party education paymentsSource: HDFC BankNo surcharge on utility or education payments1% on utility spends above ₹50,000 a calendar month (cap ₹4,999 a month); 1% on education paid through third-party apps

See all 6 changes on this card → · All card changes in November 2026 →

10Cards Similar to Tata Neu Plus HDFC Bank Credit Card

Tata Neu Plus HDFC Bank Credit Card is a shopping card. The two below are the closest on SkyloFin; open any of them, or put them side by side.

FeatureTata Neu Plus HDFC Bank Credit CardTata Neu Plus HDFC Bank Credit CardHSBC Live Plus Credit CardHSBC Live Plus Credit CardSBI Cashback Credit CardSBI Cashback Credit Card
Joining fee₹499 + GST₹999 + GST₹999 + GST
Annual fee₹499 + GST₹999 + GST₹999 + GST
Rewards1% on most spends; 2% only at partner merchants1.5% base, up to 10% on dining1% base, up to 5% on online shopping
Domestic lounge4 visits a year2 visits a yearNot included
Forex markup3.5%1.99%3.5%
TypeShoppingDiningShopping
Compare with HSBC Live Plus Credit CardCompare with SBI Cashback Credit Card

11Explore More

All HDFC Bank productsEvery card, loan and account from HDFC Bank on SkyloFinShopping credit cardsEvery shopping card, comparedAll credit cardsFilter by issuer, category and feeRewards calculatorWhat this card would earn on your spendingInterest calculatorWhat carrying a balance really costsTrack this card in SkyloFin - Expense TrackerStatements and due dates from your bank SMS, on your phone

Card facts last verified 11 October 2026.

Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.

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Common Questions

Is the ₹499 fee waived?

Yes, once you spend ₹1 lakh in a year. Below that the fee plus GST is charged.

How much can I earn on Tata Neu?

2% at Tata brands, and up to 7% on select categories inside the Tata Neu app when NeuPass is active.

How do I get lounge access?

Spend ₹50,000 in a calendar quarter to get one domestic lounge visit, up to 4 a year.

Who can apply?

Applicants aged 21 to 60 can apply, subject to HDFC Bank's checks.

What is the joining fee for the Tata Neu Plus HDFC Bank Credit Card?

The joining fee is ₹499 + GST. Check the bank's page before you apply, because fees change and promotional waivers come and go.

What is the annual fee for the Tata Neu Plus HDFC Bank Credit Card?

The annual fee is ₹499 + GST.

Does the Tata Neu Plus HDFC Bank Credit Card give airport lounge access?

Yes. Domestic lounge access is 4 visits a year. Check the bank's page for the current rules, because lounge programmes change.

Does applying through SkyloFin cost more?

No. You pay the same fees you would pay applying directly with HDFC Bank. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.

SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.

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