Tata Neu Plus HDFC Bank Credit Card
HDFC Bank · Visa + RuPay · Entry card
Adds a lower-fee, lower-income Tata Neu and RuPay UPI route instead of forcing users into the ₹1,499 Infinity tier.
Tata Neu users and UPI spenders who want the ecosystem at a ₹499 fee and can reach the modest annual-fee waiver.
Terms checked 13 Sept 2026
- Annual fee
- ₹499 + GST
- Joining fee
- ₹499 + GST
- Base reward rate
- 1%
- Forex markup
- 3.5%
Reward rates by spending category
Published catalogue rates before caps and merchant-category exclusions.
| Category | Recorded rate |
|---|---|
| Online shopping | 1% |
| Groceries & essentials | 1% |
| Dining & delivery | 1% |
| Travel & hotels | 1% |
| Bills & utilities | 1% |
| Beauty & wellness | 1% |
| Entertainment & movies | 1% |
| Education & family | 1% |
| Healthcare & pharmacy | 1% |
| Subscriptions & streaming | 1% |
| Offline store shopping | 1% |
| International spending | 1% |
| Insurance premiums | 1% |
| Other miscellaneous | 1% |
| Gold & jewellery | 1% |
| Fuel & commute | 0% |
| House rent | 0% |
Caps and fee waiver
- Reward caps
- No general cap recorded
- Annual fee waiver
- At ₹1,00,000 annual spending
- Monthly income requirement
- Approx. ₹25,000/month salaried · ₹59,333/month self-employed
Airport lounge access
4 domestic airport lounge visits per year
1 domestic airport lounge visit per quarter · SmartBuy voucher
Guest access: Not available
Requires ₹50,000 per Calendar quarter for the following calendar quarter
Claim within 120 days and use within the voucher validity.
Spend condition: Spend ₹50,000 in a calendar quarter to receive one domestic lounge voucher.
Benefits & conditions
Expand a category to see recorded benefits, fees and eligibility, with conditions and links to the sources. Categories without recorded details are grouped below; missing information does not mean a benefit is unavailable.
Rewards and cashback · 6 items
Tata Neu UPI-ID rewards
Usage-based valueEligible RuPay credit-card UPI payments using the Tata Neu UPI ID earn 0.25% from HDFC Bank plus 0.75% from Tata Digital.
Conditions: Eligible RuPay credit-card UPI payments using the Tata Neu UPI ID earn 0.25% from HDFC Bank plus 0.75% from Tata Digital.
Other UPI-ID rewards
Usage-based valueEligible RuPay credit-card UPI payments through any other UPI ID earn 0.25% NeuCoins.
Conditions: Eligible RuPay credit-card UPI payments through any other UPI ID earn 0.25% NeuCoins.
Partner Tata-brand rewards
Usage-based valueEligible non-EMI card purchases at partner Tata brands earn 2% NeuCoins.
Conditions: Eligible non-EMI card purchases at partner Tata brands earn 2% NeuCoins.
Other eligible card rewards
Usage-based valueEligible non-Tata card purchases and merchant-EMI principal amounts earn 1% NeuCoins.
Additional 5% NeuCoins through NeuPass on selected Tata Neu categories; Bill Pay, Tanishq, Cult.fit, Air India and Tata Play are excluded
Shown without a cash value2% NeuCoins on eligible non-EMI Tata-brand spend and 1% on other eligible card spend
Shown without a cash value
Fees · 2 items
Annual card fee
Cost ₹499₹499 annual fee before applicable tax.
Joining fee
Cost ₹499₹499 one-time joining fee before applicable tax.
Fee waiver · 1 item
Annual fee waiver
Usage-based · up to ₹499Annual fee may be waived after ₹1,00,000 of eligible annual spending.
Conditions: Reach ₹1,00,000 eligible annual spending
Welcome benefits · 1 item
499 welcome NeuCoins
Recorded value ₹499First-year membership-fee reversal through NeuCoins after activation.
Conditions: Complete the first transaction within 30 days · Not available on lifetime-free or first-year-free issuance
Airport lounge access · 1 item
Domestic lounge access
Usage-based value1 visit per quarter through SmartBuy voucher. Guest access: not available. Claim within 120 days and use within the voucher validity.
Conditions: Spend ₹50,000 per calendar quarter
Insurance and protection · 1 item
Zero lost-card liability after prompt reporting under HDFC Bank terms
Shown without a cash value
Fuel benefits · 1 item
1% fuel surcharge waiver on ₹400-₹5,000 transactions, capped at ₹250 per statement cycle
Shown without a cash value
Foreign-currency charges · 1 item
Foreign-currency markup
Usage-based value3.5% foreign-currency markup before applicable tax.
Conditions: Applies to eligible foreign-currency transactions
Eligibility and availability · 1 item
Application eligibility
Shown without a cash valueApplication availability: open. Published minimum monthly income: ₹25,000. Self-employed threshold derives from the published ₹7.12 lakh annual ITR requirement.
Other benefits · 2 items
0.25% on eligible RuPay UPI, rising to 1% only with a Tata Neu UPI ID
Shown without a cash valueAdditional 5% NeuPass earning on selected Tata Neu categories under partner terms
Shown without a cash value
Other categories (8)
These categories have no detailed entries. We distinguish confirmed absences from information that still needs review.
Spend milestones
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Card tiers
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Movies and entertainment
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Travel privileges
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Dining
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Golf
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Memberships
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Concierge
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗
What stands out
- ✓ 2% NeuCoins on eligible non-EMI Tata-brand spend and 1% on other eligible card spend
- ✓ 0.25% on eligible RuPay UPI, rising to 1% only with a Tata Neu UPI ID
- ✓ Additional 5% NeuPass earning on selected Tata Neu categories under partner terms
- ✓ One domestic lounge voucher per quarter after ₹50,000 eligible quarterly spend
What to watch
UPI NeuCoins are capped at 500 monthly, several categories do not earn, and the additional 5% comes from NeuPass rather than the bank card reward. Lounge access requires quarterly spend.
Recorded exclusions
Fuel Commute · Rent · Wallet load · Gift card load · Voucher purchase · Cash withdrawal · Fees charges · Government payments · Online gaming · Smart emi
How GainFair evaluates this card
The personal card advisor applies your monthly spending to category rates, limits rewards at the applicable caps, adds eligible movie, milestone and lounge value, and subtracts annual fees plus foreign-currency markup and GST. It can recommend keeping your current cards when a new card does not create enough incremental value.
Affiliate disclosure: Affiliate link · GainFair may earn a commission if you complete a qualifying action. You pay nothing extra, and compensation never affects recommendations or rankings. Read the full disclosure.
Compare against
These cards have the closest mix of purpose, reward style, fee model and tier. They are suggestions for comparison, not rankings.
Issuer sources
Open the sources used for this card's product details, rewards, fees and eligibility.
Sources checked 13 Sept 2026