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REWARD POINTS CARD

Tata Neu Plus HDFC Bank Credit Card

HDFC Bank

2% back as NeuCoins on non-EMI spends on Tata Neu and partner Tata brands, 1% on other non-UPI spends, up to 1% on eligible UPI spends, plus a domestic lounge voucher each calendar quarter on ₹50,000 spend.

Lounge vouchers need ₹50,000 spend in a calendar quarter. No NeuCoins on fuel, wallet loads, rent or government spends; grocery, utility, telecom and insurance earn is capped monthly.

Tata Neu Plus HDFC Bank Credit Card
ANNUAL FEE
₹499 + GST
JOINING FEE
₹499 + GST
REWARDS
Not stated
Earning terms not yet recorded
KEY BENEFIT
2% back as NeuCoins on non-EMI spends on Tata Neu and partner Tata brands.
BEST FOR
Included: May suit cardholders who regularly shop at Tata group brands and want NeuCoins on other everyday spends as well.
Included: May suit spends on Tata Neu and partner Tata brands such as Croma, Tata CLiQ, Westside, bigbasket and IHCL hotels.
Included: May suit everyday non-UPI spends with other merchants, which earn 1% back as NeuCoins.
Included: May suit UPI payments, which earn NeuCoins up to a cap of 500 NeuCoins a month.
Limitation: Fuel, wallet loads, rent and government payments, which earn no NeuCoins may wish to compare other cards.
Limitation: Those whose main spends are fuel, rent, wallet loads or government payments may wish to compare other cards.
Limitation: The card page lists domestic lounge vouchers only may wish to compare other cards.
Limitation: Those who prefer cash-like rewards may wish to compare other cards.
Typical fit only. This is not personalised advice and not an indication of approval.
GOOD TO KNOW
Condition: The 2% rate on partner Tata brands follows a fair usage policy: monthly and annual eligible-spend limits apply per brand (for example Croma ₹3,00,000 a month).
Condition: The extra 5% via NeuPass needs the primary cardholder's mobile number; Bill Payment (Tata Pay), Tanishq, Cult.fit, Air India and Tata Play are not eligible for it.

Rewards & real value

What the card earns, and what changes that figure in practice.
WHAT THE CARD EARNS
EVERYTHING ELSE
Not stated
No earning rate recorded for this card
REWARD POINT VALUE
Not stated
Effective return cannot be calculated without it

Eligibility

Minimum income
Not stated
Minimum age
21
Maximum age
60

Fees & ownership

Joining fee
₹499 + GST
Annual / renewal fee
₹499 + GST
Fee waived at
₹1,00,000 spend in a year before renewal date waives renewal fee (excl. cash on call, balance transfer, cash withdrawal)
Forex markup
Not stated
Finance charge
3.75% per month
Cash withdrawal fee
2.5% of the amount
Late-payment charge
Not stated
Interest-free period
Not stated

Benefits & privileges

TRAVEL
Domestic airport lounge
Recorded — count not stated — 1 complimentary domestic lounge voucher per calendar quarter (up to 4 per calendar year) · Claim voucher on Claim Portal within 120 days of qualifying; use within 180 days of issue. Only spends on the current card count. · ₹50,000 or more spend in a calendar quarter
International airport lounge
Not stated
Railway lounge
Not stated
Lounge spend requirement
Not stated
Lounge programme
Not stated
EVERYDAY
Fuel
1% waiver on fuel transactions of ₹400 to ₹5,000 at all fuel stations in India; max waiver ₹250 per statement cycle
Dining
Not stated
RuPay / UPI
Not stated

Caps, exclusions and redemption

Major excluded categories
No NeuCoins on fuel, wallet/gift/prepaid card loads and vouchers, cash advances, card fees, Smart EMI/Dial an EMI, rental, government, online skill-based gaming, third-party app education payments.; Fuel; wallet, gift/prepaid card loads and vouchers; cash advances; outstanding balance and card fee payments; Smart EMI/Dial an EMI; rent; government; skill-based gaming (MCC-5816); third-party app education.
Categories earning nothing
Not stated
Monthly reward cap
Not stated
Annual reward cap
Not stated
Reward point value
Not stated
Points expiry
Not stated
Redemption fee
Not stated
Minimum redemption
Not stated
Credited automatically
Not stated

Who this card may suit

MAY SUIT
Included: 2% back as NeuCoins on non-EMI spends on Tata Neu and partner Tata brands.
Included: 2% back as NeuCoins on non-EMI spends on Tata Neu and partner Tata brands; 1% on other non-UPI spends and merchant EMI spends.
Included: Up to 1% back as NeuCoins on eligible UPI spends (0.25% on any UPI ID, extra 0.75% with Tata Neu UPI ID), capped at 500 NeuCoins a month.
Included: 1% fuel surcharge waiver on fuel transactions of ₹400 to ₹5,000, up to ₹250 per statement cycle.
MAY NOT SUIT
Not stated
Typical fit only, based on the card’s own published terms. This is not personalised advice and not an indication of approval.
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Figures last checked 31 Oct 2026 against the issuer’s published terms.