Tata Neu Plus HDFC Bank Credit Card

HDFC Bank · Open to apply

The entry-level Tata Neu card from HDFC and Tata Digital. It pays 2% in NeuCoins on Tata Neu and partner Tata brands (Croma, Tata CLiQ, Westside, IHCL, Air India Express, BigBasket and others), 1% on other spends and, on the RuPay variant, up to 1% on UPI, with one domestic lounge voucher a quarter on ₹50,000 of spend. A NeuCoin is worth ₹1 at Tata Neu partners. Fee ₹499, waived at ₹1 lakh a year.

Annual fee
₹499 + GST a year
Joining fee
₹499 + GST
Fee waiver
Annual fee waived on ₹1,00,000 spend per card year
Base rate
1% in NeuCoins on other non-UPI spends: 1 NeuCoins per ₹100 (about 1% at cash value)
Lounges
Domestic: 1 visit a calendar quarter after ₹50,000 spend
Forex markup
3.5%
Data
From bank documents, checked 6 Nov 2026

Main earn rates

  • 2% in NeuCoins on Tata Neu: 2 NeuCoins per ₹100 (about 2% at cash value)
  • 2% on Croma: 2 NeuCoins per ₹100 (about 2% at cash value)
  • 2% on Tata CLiQ and Westside: 2 NeuCoins per ₹100 (about 2% at cash value)
  • 2% on IHCL hotels, Air India Express and Air India: 2 NeuCoins per ₹100 (about 2% at cash value)
  • 2% on Tata 1mg, Cult.fit and Tata Play: 2 NeuCoins per ₹100 (about 2% at cash value)

Earns nothing on

  • No NeuCoins on fuel
  • No NeuCoins on rent or government-related payments
  • No NeuCoins on wallet loads
  • No NeuCoins on gift or prepaid card loads and voucher purchases
  • No NeuCoins on online skill-based gaming (from 1 July 2025)
  • No NeuCoins on education fees paid through third-party apps (from 1 September 2024)

Where the sources disagree

  • membership fee: The MITC fee table's merged fee cell above the Tata Neu Plus row reads ₹500, with the Tata Neu Plus cell itself blank. The product page, FAQ and T&C all say ₹499 + taxes and the welcome benefit is 499 NeuCoins, so ₹499 is used.
  • NeuCoins rounding: The MITC says Tata Neu cards earn on each full ₹100 and nothing on the remainder. The T&C and FAQ say NeuCoins are calculated to the nearest whole NeuCoin (₹140 at 1% is 1.4, so 1). The rate is entered per ₹100 with per-transaction rounding; the two readings differ by at most a NeuCoin a transaction.

Terms the calculator does not value

  • An additional 5% in NeuCoins on selected categories on the Tata Neu app or website for those who register for Tata NeuPass (from 15 January 2025 only through the primary cardholder's Tata Neu account) is a Tata Neu offer, not a card rate, and is not entered; HDFC's page advertises it as "7% on Tata Neu". Bill payment, Tanishq, Cult.fit, Air India and Tata Play are not eligible.
  • NeuCoins are worth ₹1 only when spent at Tata Neu partners (Croma, Tata CLiQ, BigBasket, IHCL, Air India Express and others) and not for cash, so the value assumes the cardholder shops there.
  • The fair usage limits on 2% spend are listed by brand group (for example Croma ₹3,00,000, Tata CLiQ and Westside ₹2,00,000); HDFC does not say if a group's limit is shared by its brands, so each group is entered as shared. The annual limits in the annex are not entered.
  • SmartBuy: the SmartBuy accelerated-earn page has a cap row for "Tata Neu (Tata Neu coins)" of 1,000 a month, but no Tata Neu rates, and says the offer may not apply to Tata Neu cards. No SmartBuy rule is entered.
  • Merchant EMI spends earn 1% but Smart EMI and Dial an EMI are listed as exclusions; from 17 November 2025 NeuCoins are not given on monthly billing of EMI principal. EMI is not modelled.

Sources

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