Tata Neu Plus HDFC Bank Credit Card
Updated on September 17, 2026
🎖️Reward Rate
1% back as NeuCoins on non-Tata brand spends and merchant EMI spends (non-UPI)
Overview
HDFC Tata Neu Plus Credit Card by HDFC Bank provides premium value tailored for Co-brand/Cashback cardholders.
Rewards
Reward Type
Reward Points
Reward Rate
- • 1% back as NeuCoins on non-Tata brand spends and merchant EMI spends (non-UPI)
- • 2% back as NeuCoins on non-EMI Tata Neu/partner Tata brand spends, plus an additional 5% on selected categories on the Tata Neu App/Website (requires NeuPass registration)
- • UPI: 0.25% back as NeuCoins on eligible UPI spends, plus an additional 0.75% via the Tata Neu UPI ID, capped at 500 NeuCoins/month combined
- • Excluded categories: Fuel, Wallet, Rental, Government, and Online Gaming transactions
Welcome Benefit
499 NeuCoins (reversal of 1st-year membership fee) on the 1st transaction within 30 days of issuance; claimable inside the Tata Neu App within 60 days of that transaction; NeuCoins valid 365 days from claim date; Not applicable to Lifetime Free / First-Year-Free cardholders
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
- • Redeemable for purchases at Air India Express, Bigbasket, Croma, Westside, Tata CLiQ, Tata CLiQ Luxury, IHCL hotel bookings, TATA 1MG, and Qmin via the Tata Neu App/Website
- • NeuCoins have a 12-month validity (including lock period) from the end of the month in which they are credited
Benefits
- 1 complimentary domestic lounge voucher per calendar quarter (up to 4/year), unlocked by ₹50,000+ spend in that calendar quarter
- claim via the Claim Portal within 120 days
- Fuel surcharge waiver of 1%, minimum transaction ₹400, maximum transaction ₹5,000, max waiver ₹250 per statement cycle
- Zero Cost Card Liability if reported immediately to HDFC's 24-hour call centre
- Revolving credit at nominal interest rate
- Smart EMI option
- Contactless payments up to ₹5,000 without PIN
Things to Know Before you apply
Tata Neu Plus HDFC Bank Credit Card Eligibility Criteria
- Age: 21–65 years
- Salaried: monthly income of ₹25,000; Self-employed: annual ITR above ₹6,00,000
- Salaried, Self-Employed
- Indian
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | ₹499 |
| Annual Fee | ₹499 |
| Foreign Currency Mark-up Fee | 3.5% |
| Cash Advance Fee | Not disclosed on HDFC's official page |
Fee waiver: Spend ₹1,00,000 or more in a year, before the renewal date; Joining Fee is levied on the 120th day of card issuance; Renewal Fees are levied every year at the start of every anniversary year; Limited-period Life Time Free Offer applied to applications submitted 1 Oct'24 to 31 Dec'24
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 (reversal of 1st-year membership fee) on the 1st transaction within 30 days of issuance
- • claimable inside the Tata Neu App within 60 days of that transaction
- • NeuCoins valid 365 days from claim date
- • Not applicable to Lifetime Free / First-Year-Free cardholders
- • null
- • ₹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
- • 1% back as NeuCoins on non-Tata brand spends and merchant EMI spends (non-UPI)
- • 2% back as NeuCoins on non-EMI Tata Neu/partner Tata brand spends, plus an additional 5% on selected categories on the Tata Neu App/Website (requires NeuPass registration)
- • UPI: 0.25% back as NeuCoins on eligible UPI spends, plus an additional 0.75% via the Tata Neu UPI ID, capped at 500 NeuCoins/month combined
- • Excluded categories: Fuel, Wallet, Rental, Government, and Online Gaming transactions
- • Excluded Categories (rewards): Fuel transactions earn no cashback (explicitly confirmed)
- • Rent and Education aren't listed as reward-excluded here but do incur separate fees (see below)
- • Fuel Transactions — Cashback & GST: GST charged on fuel surcharge is not refundable
- • no cashback is earned on fuel 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 eligible utility bill payments and DTH/mobile recharges on Google Pay
- • 4% cashback on Swiggy, Zomato and Ola
- • 1.5% cashback on other eligible spends
- • 4 complimentary domestic airport lounge visits per calendar year at select airports
- • 1% fuel surcharge waiver on eligible fuel transactions
- • annual fee waiver on annual spends greater than ₹2,00,000, subject to eligible-spend conditions
- • 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
- • ₹499 annual fee from the 2nd year if the annual-spend waiver condition is not met
- • cashback is not earned on excluded categories such as fuel, rent, education, wallet loads, government services, insurance, gold and jewellery, financial institutions, cash advances and repayments, EMI transactions and card fees
- • 5% utility and recharge cashback is restricted to eligible transactions through Google Pay
- • 4% cashback category is limited to Swiggy, Zomato and Ola
- • foreign currency transaction fee is 3.5%
- • cash withdrawal fee is 2.5% with a minimum of ₹500
- • Annual renewal fee of ₹499
- • Reward exclusion on fuel purchases and wallet load transactions