HDFC Tata Neu Plus Credit Card Review
Shopping card with lounge access
The HDFC Tata Neu Plus has a ₹499 annual fee + GST, waived on ₹1,00,000 annual spend. It earns 1% back on regular spends and up to 2% on Tata Neu App/Website, with 4 domestic airport lounge visits a year. Best for: budget tata shoppers wanting upi and lounge access — our verdict: consider.
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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?
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Reward Rates
HDFC Tata Neu Plus offers 1% basic reward rate.
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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
8 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.
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