Tata Neu Plus HDFC Bank Credit Card
HDFC Bank
Annual Fee
₹499
Joining Fee
₹499 + GST
Base Reward
1% cashback
Foreign Markup
3.5%
Fee Waiver
Waived on ₹1L annual spend
Interest Rate
3.75% per month (45% annually)
Welcome Benefits
499 NeuCoins on successful transaction within first 30 days
Product Highlights
- 499 NeuCoins welcome benefit on first transaction
- 2% back as NeuCoins on Tata brands
- 1% back as NeuCoins on Non-Tata brands
Rewards
2% back as NeuCoins while shopping at Tata brands like Tata 1MG, Croma, Air India, Titan, Tanishq, IHCL. 1% back as NeuCoins on non-Tata brands. Additional 5% back on Tata Neu app or website.
Redemption
NeuCoins can be redeemed on the Tata Neu App/Website or on Partner Tata Brands.
Category Rewards
| Category | Reward Rate | Monthly Cap |
|---|---|---|
shopping | 2%(2% back on Tata brands) | No cap |
other | 1%(1% back on Non-Tata brands) | No cap |
Merchant-Specific Rewards
| Merchant | Reward | Context |
|---|---|---|
| Tata 1MG | 2% back(1,000 NeuCoins/month) | online |
| Croma | 2% back(1,000 NeuCoins/month) | online |
| Air India | 2% back(1,000 NeuCoins/month) | online |
| Titan | 2% back(1,000 NeuCoins/month) | online |
| Tanishq | 2% back(1,000 NeuCoins/month) | online |
| IHCL | 2% back(1,000 NeuCoins/month) | online |
Benefits & Features
Domestic: 4 Free Lounge Visits (Min ₹50,000 quarterly spend required for activation) International: N/A (N/A) Complimentary lounge access on ₹50,000+ quarterly spend. Without spend criteria, lounge access is not available.
Fees & Charges
Eligibility
Min Age
21 years
Max Age
65 years
Min Income (Salaried)
₹25,000
Min Income (Self-Employed)
₹6,00,000
Available Networks
Pros & Cons
Pros
- High rewards on Tata brands with 2% back
- Waive off renewal fees with ₹1L spend
- Additional 5% back on Tata Neu app
Cons
- No international lounge access
- No movie or dining benefits
- NeuCoins expire after 365 days
Additional Info
NeuCoins are valid for a period of 365 days from the date of earning.
Cardholders must perform a transaction within the first 30 days to receive the welcome benefit.
The renewal fee is waived only if the cardholder spends ₹1L or more in a calendar year.
Max 1,000 NeuCoins per month from grocery transactions.
Excluded Categories