HDFC Tata Neu Plus Credit Card
Updated on August 25, 2026
🎖️Reward Rate
Base Rewards: 1% NeuCoins per ₹100 (1% NeuCoins on all non-Tata brands and RuPay UPI merchant transactions)
Overview
HDFC Tata Neu Plus Credit Card by HDFC Bank provides premium value tailored for Co-brand/Cashback cardholders.
Rewards
Reward Type
Cashback
Reward Rate
- • Base Rewards: 1% NeuCoins per ₹100 (1% NeuCoins on all non-Tata brands and RuPay UPI merchant transactions)
- • Accelerated Rewards: 2% NeuCoins on Tata Neu app + 5% NeuPass benefits (total 7% value) across Tata brands
- • Excluded Categories: Fuel, Wallet load, Rent
Welcome Benefit
499 NeuCoins upon payment of membership fee and card activation within 30 days; Qualification Criteria: Fee realization; First spend on Tata Neu app within 30 days; Fulfillment Timeline: Credited within 30 days of spend condition fulfillment
Milestone Benefit
Spend ₹1 Lakhs (Annual): Annual fee waiver for next renewal cycle; Annual Fee Waiver: Spend ₹1 Lakh or more in preceding 12 months for fee waiver
Redemption
Direct redemption on Tata Neu app at 1 NeuCoin = ₹1.00
Benefits
- Domestic Airport Lounge: 4 per calendar year (1 per quarter) via Visa / RuPay Lounge Program
- Fuel Surcharge Waiver: 1% (Max waiver ₹250 per statement cycle)
- 1% NeuCoins on RuPay UPI: Link your Tata Neu Plus RuPay card to UPI and earn 1% NeuCoins on merchant transactions. (Capped at 500 NeuCoins per statement month) [Partners: NPCI RuPay]
Things to Know Before you apply
HDFC Tata Neu Plus Credit Card Eligibility Criteria
- Age: 21–60 years
- Salaried: Net monthly income > ₹25,000; Self-employed: ITR > ₹6.0 Lakhs
- Salaried & Self-Employed Individuals
- Resident Indian
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | ₹499 |
| Annual Fee | ₹499 |
| Foreign Currency Mark-up Fee | 3.5% |
| Cash Advance Fee | 2.5% (min ₹500) |
Fee waiver: Spend ₹1 Lakh or more in preceding 12 months for fee waiver
PaisaSimple Review
Overall Rating
4.8/5What do we like about this card?
HDFC Tata Neu Plus Credit Card issued by HDFC Bank is one of India's leading credit cards for Co-brand/Cashback spends, featuring competitive reward earning and verified travel perks.
Pros
- • Base Rewards: 1% NeuCoins per ₹100 (1% NeuCoins on all non-Tata brands and RuPay UPI merchant transactions)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
Cons
- • Annual renewal fee of ₹499
- • Reward exclusion on fuel purchases and wallet load transactions
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- • 499 NeuCoins upon payment of membership fee and card activation within 30 days
- • Qualification Criteria: Fee realization
- • First spend on Tata Neu app within 30 days
- • Fulfillment Timeline: Credited within 30 days of spend condition fulfillment
- • 100% cashback up to ₹500 on first utility bill payment completed via Google Pay within 45 days of card issuance (effectively offsetting the ₹499 joining fee).
- • ₹500 cashback upon retail spends of ₹10,000 or more within first 30 days of card setup
- • Qualification Criteria: Spend ₹10,000 within first 30 days
- • Fulfillment Timeline: 60 days post transaction qualification
- • Base Rewards: 1% NeuCoins per ₹100 (1% NeuCoins on all non-Tata brands and RuPay UPI merchant transactions)
- • Accelerated Rewards: 2% NeuCoins on Tata Neu app + 5% NeuPass benefits (total 7% value) across Tata brands
- • Excluded Categories: Fuel, Wallet load, Rent
- • 5% cashback on utility bill payments & recharges via Google Pay (capped at ₹500/month)
- • 4% on Swiggy, Zomato & Ola (capped at ₹500/month)
- • 1.5% unlimited flat cashback on all other eligible retail transactions.
- • Base Rewards: 2% Cashback per ₹100 (2% flat cashback on all online retail transactions (max cashback ₹1,000 per month))
- • 1% Cashback per ₹100 (1% flat cashback on all offline retail transactions (max cashback ₹500 per month))
- • Accelerated Rewards: 2% flat cashback on all online spends with no merchant lock-in (capped at ₹1,000/month). Extended 0.99% per month EMI interest rate for first 90 days.
- • Excluded Categories: Fuel, Rent, Wallet loads, Jewellery
- • Base Rewards: 1% NeuCoins per ₹100 (1% NeuCoins on all non-Tata brands and RuPay UPI merchant transactions)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • • 5% cashback on utility bills & mobile recharges via Google Pay (capped at ₹500/month)
- • • 4% cashback on Swiggy, Zomato & Ola (capped at ₹500/month)
- • • 1.5% unlimited flat cashback on all other transactions with no upper ceiling
- • • No reward redemption fee — cashback is automatically credited to credit card statement
- • • Low annual fee of ₹499 easily waived at ₹2 Lakh annual spend
- • • 4 complimentary domestic airport lounge visits per calendar year
- • Base Rewards: 2% Cashback per ₹100 (2% flat cashback on all online retail transactions (max cashback ₹1,000 per month))
- • 1% Cashback per ₹100 (1% flat cashback on all offline retail transactions (max cashback ₹500 per month))
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Annual renewal fee of ₹499
- • Reward exclusion on fuel purchases and wallet load transactions
- • • 5% utility cashback requires an Android device with Google Pay
- • • Rent (MCC 6513) and wallet loads (MCC 6540) do not count toward fee-waiver spend
- • • New 1% surcharge on utility spends exceeding ₹25,000/cycle and wallet loads above ₹10,000/cycle
- • • Standard 3.5% foreign currency markup plus 3.5% DCC markup
- • Annual renewal fee of ₹499
- • Reward exclusion on fuel purchases and wallet load transactions