HDFC Tata Neu Plus Credit Card: Fees, Rewards & Benefits
Shopping card with lounge access
We may earn a commission if you apply through this link. It never affects our ratings.
An entry Tata co-branded RuPay card offering 2% on Tata brands and 1% elsewhere in ₹1-value NeuCoins, plus a rare 4 domestic lounge visits for a ₹499 fee. Modest earn rates make it a low-cost starter for Tata shoppers rather than a high-reward card.
Shopping card with lounge access
The Bottom Line
The HDFC Tata Neu Plus is built for entry-level tata shopper and upi-on-credit user. With a ₹499 annual fee that is waived on ₹1,00,000 yearly spend, it offers 2% rewards on tata neu app/website (shopping) and 499 bonus points. It makes the most sense if your spending matches entry-level tata shopper and upi-on-credit user.
It earns a base reward rate of 1% and stacks best when your spending lines up with Entry-level Tata shopper, UPI-on-credit user. The renewal fee gets easier to justify once you can hit ₹1,00,000 in yearly spend.
Who Should Get This Card
Use this as a quick filter before comparing rewards or fees in detail.
Best fit for
IdealBudget users who shop on Tata Neu/Croma/BigBasket and want ₹1-value NeuCoins plus 4 lounge visits for just ₹499.
Those wanting a cheap RuPay card linkable to UPI apps for everyday credit-on-UPI spends.
Probably not for
SkipThe 1% base and 2% Tata rate are low; heavier spenders should step up to the Infinity variant for 5%.
No international lounge access and a 3.5% forex markup limit overseas value.
Is It Worth It For You?
Slide to your typical monthly card spend. We'll do the rest.
Calculate Your Value
Adjust your typical monthly spend by category.
Spend ₹1,00,000 more to waive annual fee
Sign in for personalized estimates based on your actual spending
Reward Rates
HDFC Tata Neu Plus offers 1% basic reward rate.
Quick Calculator
Estimate earnings for a specific purchase
Welcome Offer
Applicable on payment of 1st year membership fee and requires at least 1 transaction within 30 days of card issuance. Not applicable if fee is waived.
Milestone Benefits
Renewal year membership fee is waived on spending ₹1,00,000 or more in a card anniversary year.
Fees & Charges
Eligibility
- Min Income: ₹6 Lakhs
- Min Credit Score: 700
- Min ₹25,000/month salaried or ₹6 lakh ITR self-employed; annual fee ₹499 waived on ₹1 lakh spend; available in Visa and RuPay.
Exclusions & Terms
Forex markup
- Foreign currency markup
Fuel Spends
- No rewards earned. 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped at ₹250 per statement cycle.
Rent Payments
- No rewards earned. A 1% fee applies on the total transaction amount, beginning from the second rental transaction of a calendar month.
Wallet Loads / Gift or Prepaid Card Loads / Voucher Purchases
- No rewards earned
Smart EMI / Dial an EMI Transactions
- No NeuCoins on Smart EMI / Dial an EMI (loan/post-purchase conversion) transactions. Note: Merchant EMI (point-of-sale EMI) is NOT excluded and earns 1% NeuCoins on the principal amount only.
Cash Advance
- No rewards earned
Frequently Asked Questions
3 data-backed answers from our card database
Ready to apply?
₹499 annual fee. Apply on the HDFC Bank website.
Apply on HDFC Bank →We may earn a commission if you apply through this link. It never affects our ratings.
Explore more on Vyaya
Bank comparisons
Guides & best picks
Browse by category