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Tata Neu Plus HDFC Bank Credit Card

Entry into the Tata ecosystem — earn NeuCoins on everyday Tata spends

Co-brandedNeuCoinsEntry LevelLow Fee
Apply Now — Official HDFC Site ↗
Joining Fee
₹499 + GST
Annual Fee
₹499 + GST
Reward Rate
7% NeuCoins on Tata Neu app; 5% Tata Brands; 1% others; 1% UPI
Lounge Access
None
Forex Markup
3.5%
Fuel Waiver
1%
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Key Features & Benefits
  • 7% NeuCoins on Tata Neu app spends
  • 5% NeuCoins on Tata Brand spends (in-store and online)
  • 1% NeuCoins on other eligible non-Tata spends
  • 1% NeuCoins on UPI transactions (RuPay variant)
  • 1% fuel surcharge waiver
  • Annual fee waiver on ₹1.5L annual spend
  • NeuCoins redeemable across Tata ecosystem
  • Complimentary Tata NeuPass lite
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Welcome & Joining Benefits
  • NeuCoins on first transaction
Milestone Benefits
  • ₹1.5L annual spend → Annual fee waiver
Pros & Cons

✓ Advantages

  • 7% on Tata Neu is strong at ₹499 fee
  • 5% on all Tata Brands in-store — useful at BigBasket, Croma, Westside
  • Annual fee waiver at just ₹1.5L
  • RuPay variant enables UPI earnings

✗ Disadvantages

  • No lounge access
  • Lower rate than Infinity (7% vs 10%)
  • Limited to Tata ecosystem
Frequently Asked Questions
Should I get Tata Neu Plus or Tata Neu Infinity?
Infinity gives 10% (vs 7%) on Tata Neu app and 2 lounge visits/quarter. Both have the same ₹499 fee. If you spend ₹3L+/year on Tata brands, Infinity justifies the same fee with more rewards. Plus is for moderate Tata spenders.
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