Tata Neu Plus HDFC Bank Credit Card
A Tata Neu card paying NeuCoins: 2% at partner Tata brands, 1% elsewhere, and on the RuPay variant 0.25% on UPI (1% through the Tata Neu UPI ID), up to 500 NeuCoins a month. Every figure below is copied from HDFC Bank’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-15.
Not on record from an official document: foreign-currency markup. CardWise does not estimate these.
Fees and charges
| Joining fee | ₹499 plus GST Product page |
|---|---|
| Annual fee | ₹499 plus GST Terms |
| Annual fee waiver | On ₹1,00,000 of spend in the year Product page |
| GST on fees | As applicable (18% assumed in calculations) |
| Foreign-currency markup | Not on record |
Rewards
Cashback.
| Spend | Earns | Cap |
|---|---|---|
| Partner Tata brands (non-EMI) | 2% cashback Terms | no cap on record |
| UPI on the RuPay variant (0.25%; 1% through the Tata Neu UPI ID) | 0.25% cashback Terms | up to ₹500 a month Product page |
| Grocery | 1% cashback Terms | up to ₹1,000 a month Product page |
| Utility bills | 1% cashback Terms | up to ₹2,000 a month Product page |
| Insurance | 1% cashback Terms | up to ₹2,000 a month Product page |
| Other spends (non-Tata brands) | 1% cashback Terms | no cap on record |
Paid as NeuCoins (1 NeuCoin = ₹1) usable on Tata Neu; they lapse 12 months after the month they are credited.
No rewards on
- Fuel, wallet loads, rent, government payments and online gaming Product page
- Education fees paid through third-party apps Terms
Benefits
- Lounges: One domestic lounge voucher a quarter, up to four a year, at 12 listed lounges — ₹50,000 of spend in the calendar quarter Product page
- Fuel: 1% fuel surcharge waived on fills of ₹400 to ₹5,000, up to ₹250 a statement cycle Terms
- Welcome: 499 NeuCoins on the first transaction within 30 days (cards with the joining fee only) Terms
Eligibility
- Age 21 or above Product page
- Salaried: age 60 or below Product page
- Self-employed: age 65 or below Product page
- Indian nationality Product page
- Salaried: monthly income of ₹25,000 Product page
- Self-employed: income tax return above ₹6 lakh a year Product page
Not published by HDFC Bank in the documents read
- the foreign-currency markup (the MITC fee table does not tie a figure to this card in quotable text)
Where HDFC Bank’s documents differ, and what is used
- Minimum transaction: the MITC says Tata Neu cards earn only on multiples of ₹100; the terms round NeuCoins to the nearest whole coin.
The quotes behind the figures
30 figures, each copied from an official HDFC Bank document.
Show every quote and source
“Joining/Renewal Membership Fee – ₹499/- + Applicable Taxes”
“Membership fee/ Renewal fee of Rs 499 + Applicable Taxes is applicable on Tata Neu Plus HDFC Bank Credit Card.”
“Spend ₹1,00,000 or more in a year, before your Credit Card renewal date and get your renewal fee waived off.”
“Non-EMI Retail Spends on partner Tata Brands 2% back as NeuCoins”
“Starting 01 August 2024, customers will earn 0.25% back as NeuCoins on eligible UPI transactions.”
“Total NeuCoins earned on all UPI payments will be capped to 500 NeuCoins per calendar month.”
“Any UPI Spends on Rupay Credit Card 1% back as NeuCoins (max of 500 NeuCoins per calendar month)”
“Additionally, if you use Tata Neu UPI ID for the transaction, you will get extra 0.75% back as NeuCoins.”
“Non-EMI Retail Spends on Non-Tata Brands 1% back as NeuCoins”
“NeuCoins earned on Grocery transactions will be capped to 1,000 per month for Tata Neu Plus HDFC Bank Credit card.”
“NeuCoins earned on Utility transactions will be capped at 2,000 NeuCoins per calendar month.”
“NeuCoins accrued for insurance transactions will have a maximum capping 2,000 per month instead of 2,000 per day.”
“NeuCoins can be utilized at the rate of 1 NeuCoin = 1, as following: -”
“NeuCoins will not be accrued for Fuel, Wallet, Rental, Government and Online Gaming related transactions.”
“With effect from 1st Sep 2024, NeuCoins will not be accrued for Education payments made through third-party apps”
“2% back as NeuCoins (Non-EMI) will be calculated as 1% base NeuCoins + 1% additional NeuCoins on partner Tata Brands transactions”
“Earn additional 5% back as NeuCoins on selected categories on Tata Neu App/Website, post downloading Tata Neu App and registering for NeuPass.”
“Lifetime Free or First Year Free Cards will not be eligible for the Welcome Benefit.”
“Complimentary lounge access on direct swipe-off is discontinued effective midnight of 11-Jun-2025 23:59:59 hrs.”
“Starting 01-Aug-25, NeuCoins earned on your Tata Neu HDFC Bank Credit Card will have a validity of 12 months (including lock period) from the end of the month in which they're credited to your Tata Neu Account.”
“Domestic Lounge Access benefit is Milestone based and can be availed as a Lounge Voucher on spends of Rs 50,000 or more in a calendar quarter. Please note, you can access 1 Complimentary Domestic Lounge Voucher per calendar quarter (up to 4 per calendar year).”
“1% Fuel Surcharge waiver on fuel transactions (Minimum transaction of 400, Maximum transaction of 5,000 & Maximum waiver of 250 per statement cycle).”
“(on minimum transaction of ₹400 & maximum transaction of ₹5,000. Maximum waiver of ₹250 per statement cycle)”
“Welcome Benefit of 499 NeuCoins (as reversal of 1st Year Membership Fees) will be given to the cardholder by Tata Digital Private Limited inside Tata Neu App.”
“Nationality: Indian Age: 21 – 60 years”
“21 – 65 years Annual ITR > ₹6,00,000”
“Income (Monthly) - ₹25,000”
“Annual ITR > ₹6,00,000”
“You can choose any of the following easy options to apply for your HDFC Bank Credit Card:”
“Domestic Lounge Access – VISA / RuPay Card”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with HDFC Bank or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is HDFC Bank’s own file from its website, unaltered, fetched 2026-10-15. Methodology