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Credit Cards · India

Tata Neu Plus HDFC Bank Credit Card

Updated 5 Jul 2026Source-linked

The Tata Neu Plus HDFC Bank Credit Card is a entry co-branded credit card from HDFC Bank and Tata Neu, with a joining fee of ₹499 + GST.

It earns up to 2% on Tata Neu spends in the form of cashback.

Welcome benefit: 499 NeuCoins.

HDFC Bank logo
Tata Neu Plus HDFC Bank Credit Card
Visa logo
  • Joining Fee₹499
  • Annual Fee₹499
  • Best Suited ForOnline shopping
  • Reward TypeCashback
Rewards Rate
  • 2% on tata neu app partners (cap 100000 spend inr / annual)
  • Base 0.95% on other spends
Welcome Benefits
  • 499 NeuCoins
Data verified 5 Jul 2026 — see our methodology
HDFC Bank logoHDFCVisa logoplatinumentryCo-brand · Tata Neu ↗
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Rewards and Benefits

Rewards Rate
2% on tata neu app partners (cap 100000 spend inr / annual)
Base 0.95% on other spends.
Reward Redemption
Tata Neu wallet: Redeem at ₹1 per unit.
Welcome Benefits
499 NeuCoins
Milestone Rewards
N/A
Domestic Lounge Access
N/A
International Lounge Access
N/A
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
N/A
Other Benefits
N/A

See the math — accelerations & caps

What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.

No accelerated categories apply to the spend you entered — everything earns the base rate.

Base-rate spend

Non-accelerated spend, summarized at this card's base rate.

  • Online shopping₹15,000 · 1.0% = ₹150/mo

    Online shopping — earns base; accelerated rate needs booking via tata-neu

  • Groceries₹8,000 · 1.0% = ₹80/mo
  • Dining & food delivery₹8,000 · 1.0% = ₹80/mo
  • Fuel₹4,000 · 0.0% = ₹0/mo
  • Travel & hotels₹10,000 · 1.0% = ₹100/mo
  • Utilities & bills₹5,000 · 0.0% = ₹0/mo
Est.net rewards for this spend, realistic
₹4,920/yr

₹4,920 rewards − ₹0 annual fee. Estimate for the spend you entered.

Fees & Charges

Spend-Based Waiver
₹1,00,000 in the preceding year
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
3.75% per month (45.0% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹5,000, capped at ₹250 per statement.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)

Product Details

  • Co-branded entry card by HDFC Bank and Tata Neu.
  • Joining / annual fee of ₹499 + GST, waived on annual spends of ₹1,00,000.
  • Available on the Visa network.

Pros & Cons

Pros
  • Annual fee waivable on ₹1,00,000 spend.
Cons
  • Standard forex markup of 3.50% — suboptimal for international spend.
  • No rewards on fuel spends.
  • No complimentary airport lounge access.
Pros & cons are heuristically derived from the card's fees, rewards and benefits. Not editorial opinion.

₹499 welcome benefit

  • 499 NeuCoins
    Joining fee paid
    Window: 30 days from issuance.

Accelerated rewards

  • 2% on tata neu app partners (cap 100000 spend inr / annual)
    Merchants: tata-neu-app, bigbasket, 1mg, croma, westside, tata-cliq
    2% NeuCoins on Tata brands purchased via Tata Neu app (with NeuPass). Accelerated earn is category-capped: ₹1,00,000/yr on other Tata brands, ₹3,00,000/yr on electronics.

Exclusions

The following spend categories earn no rewards on this card:

  • fuel
  • wallet loads
  • rent
  • government
  • insurance premiums
  • emi
  • utilities

Fuel surcharge waiver

1.0% waiver on fuel transactions between ₹400 and ₹5,000, capped at ₹250 per statement.

Sources

Last verified 5 Jul 2026. Verify with the issuer before applying.

Eligibility

Age
21–60
Credit score
720+
Income (salaried)
₹3,00,000 p.a.
Income (self-employed)
₹6,00,000 p.a.
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