Tata Neu Plus Hdfc Card
The Tata Neu Plus HDFC Bank Credit Card delivers accelerated NeuCoins rewards on Tata brand and Tata Neu app spends, coupled with fuel surcharge waivers and exclusive domestic lounge access, making it ideal for Tata loyalists and lifestyle-focused shoppers.
Apply Now ❯| Feature | Details |
|---|---|
| Bank / Issuer | HDFC Bank |
| Card Type | RuPay |
| Joining Fee | 499 + Applicable Taxes (No Joining Fee For Select Users) |
| Annual Fee | 499 + Applicable Taxes |
| Welcome Benefits | Get 499 NeuCoins only on payment of Rs. 499 Joining Fee |
| Fee Waiver Condition | Annual fee waived if spend ₹1,00,000 or more before renewal date |
| Reward Rates | Earn 2% NeuCoins on Tata Neu and Tata brand spends, 1% NeuCoins on other transactions including UPI (with monthly cap), plus an extra 5% NeuCoins on select Tata Neu categories with Tata NeuPass membership. |
| Interest Rates | 3.6% per month (43.20% per annum) on revolving credit and cash advances |
| Foreign Exchange Markup | 3.5% on international transactions |
| Best For | UPI |
| Lounge Access |
Domestic: 1 per quarter On spends of ₹50,000+ in the last 3 months |
Key Features & Benefits
The Tata Neu Plus HDFC Bank Credit Card is designed for shoppers who regularly engage with the Tata ecosystem, offering seamless rewards and valuable lifestyle benefits. Cardholders earn 2% NeuCoins on every purchase made within the Tata Neu app and partner Tata brands, enabling accelerated rewards for loyal users. Additionally, 1% NeuCoins are earned on all other spends, including UPI transactions, with a monthly NeuCoins cap on UPI payments. Tata NeuPass members enjoy an extra 5% NeuCoins on select Tata Neu app and website categories, amplifying savings and maximizing rewards.
Beyond rewards, the card provides practical benefits such as a 1% fuel surcharge waiver on fuel spends between ₹400 and ₹5,000, capped at ₹250 per billing cycle, adding real savings on everyday expenses. The card also includes four complimentary domestic airport lounge visits annually, enhancing travel comfort for frequent flyers. From June 10, 2025, lounge access requires ₹50,000 in spending per calendar quarter, balancing exclusivity with rewarding usage. This credit card perfectly blends lifestyle perks with everyday value, backed by HDFC’s robust fraud prevention and transaction security measures.
All You Need to Know About: Tata Neu Plus Hdfc Card
The Tata Neu Plus HDFC Bank Credit Card is a co-branded credit card issued by HDFC Bank, designed to offer accelerated rewards primarily within the Tata ecosystem. It supports Visa and RuPay networks, giving users flexibility in usage. The card has a joining and annual fee of ₹499 plus applicable taxes, with the annual fee waived if you spend ₹1,00,000 in the preceding year. Cardholders earn 2% NeuCoins on purchases made at Tata Neu app and partner Tata brands, and 1% NeuCoins on all other spends, including UPI transactions, with a monthly cap on UPI rewards. Additional bonuses include 5% NeuCoins on select Tata Neu app categories for Tata NeuPass members.
This card also offers practical benefits such as a 1% fuel surcharge waiver on fuel spends between ₹400 and ₹5,000, capped at ₹250 per billing cycle. Additionally, cardholders receive four complimentary domestic lounge visits annually, with access conditional on quarterly spending of ₹50,000 starting June 2025. The card charges an interest rate of 3.6% per month on revolving credit and cash advances and applies a 3.5% foreign exchange markup on international transactions.
Other fees include late payment fees ranging from ₹100 to ₹1,100, payment return charges of 2% with a minimum of ₹450, and cash advance fees. The joining fee is charged 120 days after card issuance, and the annual fee is charged yearly on the card anniversary. Contactless payments are supported up to ₹5,000 per transaction without a PIN, adding to ease of use and security.
Ideal for frequent users of the Tata Neu app and Tata brands, this credit card rewards loyal customers with focused cashback benefits and lifestyle perks. It is suitable for those who shop extensively within the Tata ecosystem and value added benefits on fuel and travel, ensuring a comprehensive rewards and usage experience with clear fee structures and thorough security protections.
Pros & Cons
Pros
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Earn 2% NeuCoins on Tata Neu app and Tata brand spends, plus 1% on other transactions.
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Additional 5% NeuCoins on select Tata Neu categories with Tata NeuPass membership.
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Four complimentary domestic airport lounge visits annually for enhanced travel comfort.
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Fuel surcharge waiver of 1% on spends between ₹400 and ₹5,000, capped at ₹250 per billing cycle.
Cons
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Annual fee of ₹499 plus taxes, though waiver requires ₹1,00,000 annual spends.
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Lounge access requires ₹50,000 spend per calendar quarter starting June 2025.
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Foreign exchange markup fee of 3.5%, making it less ideal for frequent international use.
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Limited accelerated rewards primarily within Tata ecosystem, less beneficial for non-Tata spends.
How to Apply
How to Apply for Tata Neu Plus HDFC Bank Credit Card:
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Download and install the Tata Neu app on your smartphone.
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Open the app and navigate to the ‘Finance’ section, then select ‘Credit Cards.’
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Choose the Tata Neu Plus HDFC Bank Credit Card, fill in the application form with personal and KYC details, and submit.
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Upon successful verification, the card will be delivered to your registered address.
Detailed Fee Structure
The Tata Neu Plus HDFC Bank Credit Card has a joining and annual renewal fee of ₹499 plus applicable taxes. The renewal fee is waived if you spend ₹1,00,000 or more in the year before your renewal date. The joining fee is charged on the 120th day after card issuance, and the annual fee is charged every year on the card’s anniversary. This card offers a fuel surcharge waiver of 1% on transactions between ₹400 and ₹5,000, capped at ₹250 per billing cycle.
Other charges include late payment fees ranging from ₹100 to ₹1,100 depending on the outstanding amount, payment return charges of 2% (minimum ₹450), and a cash advance fee of ₹100. The foreign exchange markup fee for international transactions is 3.5%. Contactless payments are enabled with a limit of ₹5,000 per transaction without PIN. Overall, the fee structure is transparent with clear conditions for fee waivers, making it suitable for frequent users who can leverage annual fee waivers through spending.
Who Should Get This Card?
The Tata Neu Plus HDFC Bank Credit Card is best for loyal Tata ecosystem shoppers who frequently use the Tata Neu app and Tata partner brands. It suits individuals who want to maximize rewards through NeuCoins on everyday spends, especially on groceries, fuel, and online shopping within Tata’s extensive network. Additionally, frequent domestic travelers can benefit from the complimentary airport lounge access, making it a good fit for lifestyle-focused professionals and millennial shoppers looking for a balance of rewards, travel perks, and fuel savings.
Alternatives & Competitor Comparison
| Feature | Tata Neu Plus Hdfc Card | Axis Bank My Zone Credit Card |
|---|---|---|
| Card Image | |  |
| Card Network | RuPay | Mastercard, RuPay, Visa |
| USP | The Tata Neu Plus HDFC Bank Credit Card delivers accelerated NeuCoins rewards on Tata brand and Tata Neu app spends, coupled with fuel surcharge waivers and exclusive domestic lounge access, making it ideal for Tata loyalists and lifestyle-focused shoppers. | Axis Bank My Zone Credit Card is designed for lifestyle-savvy users who want maximum savings on dining, streaming subscriptions, bill payments, and online orders. Enjoy exclusive cashback offers, reward points on everyday spends, and hassle-free UPI transactions, making it a smart choice for millennials and frequent spenders seeking convenience and value. |
| Annual Fee | 499 + Applicable Taxes | 500 Lifetime free for select channels |
| Joining Fee | 499 + Applicable Taxes (No Joining Fee For Select Users) | 500 Lifetime free for select channels |
| Welcome Benefits | Get 499 NeuCoins only on payment of Rs. 499 Joining Fee | Complimentary SonyLiv Premium annual subscription worth ₹1,499 on your first card transaction within 30 days of issuance |
| Lounge Access | Domestic: 1 per quarter On spends of ₹50,000+ in the last 3 months | Domestic: 1 per quarter On spends of ₹50,000+ in the last 3 months |
| Reward Rate | Earn 2% NeuCoins on Tata Neu and Tata brand spends, 1% NeuCoins on other transactions including UPI (with monthly cap), plus an extra 5% NeuCoins on select Tata Neu categories with Tata NeuPass membership. | Earn 4 EDGE reward points for every ₹200 spent (reward rate ~0.4%). |
| Interest Rate | 3.6% per month (43.20% per annum) on revolving credit and cash advances | 3.75% per month (equivalent to approx. 46.78% per annum) on unpaid amounts and cash advances. |
| Best For | UPI | Food Ordering, Movies |
| Apply Now | Apply Now | Apply Now |
Frequently Asked Questions
What are the rewards on the Tata Neu Plus HDFC Bank Credit Card?
The Tata Neu Plus HDFC Bank Credit Card offers 2% NeuCoins on Tata Neu app and Tata brand spends, 1% NeuCoins on other spends including UPI (with monthly cap), and extra 5% NeuCoins on select Tata Neu categories for Tata NeuPass members.
Is the annual fee waived on the Tata Neu Plus HDFC Bank Credit Card?
Yes, the ₹499 annual fee is waived if you spend ₹1,00,000 or more in the year prior to renewal.
Does the Tata Neu Plus HDFC Bank Credit Card offer airport lounge access?
Yes, cardholders get four complimentary domestic lounge visits annually, subject to ₹50,000 spending per calendar quarter starting June 2025.
What is the foreign exchange fee on Tata Neu Plus HDFC Bank Credit Card?
International transactions incur a foreign exchange markup fee of 3.5%.
How can I apply for the Tata Neu Plus HDFC Bank Credit Card?
You can apply online through the Tata Neu app by filling out the application form and completing the KYC process, with card delivery upon approval.
Final Verdict
Is the Tata Neu Plus HDFC Bank Credit Card right for you? If you frequently shop within the Tata ecosystem and want to maximize your rewards with NeuCoins while enjoying lifestyle perks like fuel surcharge waivers and domestic lounge access, this card is an excellent choice. Its reasonable fees are easily offset by the rewards and privileges offered, especially for loyal Tata app users. However, if your spending falls outside Tata brands or you seek extensive international benefits, this might not be the perfect fit. For rewarding Tata-centric shopping and added travel comfort, apply for the Tata Neu Plus HDFC Bank Credit Card today and start unlocking valuable benefits.
