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
- • 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
- • 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 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