HDFC Regalia Gold vs Tata Neu Plus: Which Card Wins?

Comparison Summary

The HDFC Regalia Gold Credit Card is a premium lifestyle card offering 5X rewards on select brands like Myntra, Nykaa, and Reliance Digital, along with 12 domestic and 6 international lounge visits annually and milestone vouchers worth up to ₹10,000 per year. The Tata Neu Plus HDFC Bank Credit Card is an entry-to-mid-tier card designed for Tata brand loyalists, delivering accelerated NeuCoin rewards on Tata Neu app purchases, fuel surcharge waivers, and quarterly lounge access on spending milestones. While Regalia Gold excels in travel perks and online shopping rewards, Tata Neu Plus is ideal for UPI transactions and Tata ecosystem spending. Verdict: Choose Regalia Gold for premium lifestyle and travel benefits; opt for Tata Neu Plus if you’re deeply invested in the Tata ecosystem with lower spending requirements.

Feature	HDFC Regalia Gold Credit Card	Tata Neu Plus Hdfc Card
Card Image	HDFC Bank	HDFC Bank
Card Network	Mastercard	RuPay
USP	The HDFC Regalia Gold Credit Card delivers 5X accelerated rewards on premium brands like Myntra, Nykaa, and Reliance Digital, plus milestone vouchers worth up to ₹10,000 annually and extensive lounge access with 12 domestic and 6 international visits per year, making it perfect for lifestyle enthusiasts and frequent travelers seeking premium benefits at a competitive annual fee.	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.
Annual Fee	2500 - Plus GST	499 - + Applicable Taxes
Joining Fee	2500 - Plus GST	499 - + Applicable Taxes (No Joining Fee For Select Users)
Welcome Benefits	₹2,500 voucher on joining fee payment, complimentary Swiggy One membership, complimentary MakeMyTrip Black Elite membership, Club Vistara Silver membership on spending ₹1 lakh in first 90 days	Get 499 NeuCoins only on payment of Rs. 499 Joining Fee
Lounge Access	Domestic: 12 per year \| International: 6 per year	Domestic: 1 per quarter On spends of ₹50,000+ in the last 3 months
Reward Rate	4 reward points per ₹150 spent (2.67% return) on retail, insurance, utility, and education. Earn 20 reward points per ₹150 spent (13.33% return) at Marks & Spencer, Myntra, Nykaa, and Reliance Digital (5X accelerated rewards with capping). Milestone benefits: ₹1,500 vouchers on ₹1.5 lakh quarterly spend, ₹5,000 flight vouchers on ₹5 lakh annual spend, additional ₹5,000 flight vouchers on ₹7.5 lakh annual spend.	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 Rate	3.75% per month (45% per annum)	3.6% per month (43.20% per annum) on revolving credit and cash advances
Best For	Lounge Access, Online Shopping	UPI
Apply Now	Apply Now	Apply Now

📑 Table of Contents

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Who Can Apply for HDFC Regalia Gold vs Tata Neu Plus?

Both cards are issued by HDFC Bank and share similar baseline eligibility requirements, though the Regalia Gold typically demands a higher income threshold due to its premium positioning. Applicants must be Indian residents aged 21-60 years with a stable income source and a good credit score (typically 750+).

For the HDFC Regalia Gold, the minimum monthly income requirement is generally around ₹50,000-₹75,000 for salaried individuals, while self-employed applicants need to demonstrate consistent business income. The Tata Neu Plus has more accessible criteria with income requirements starting from approximately ₹25,000-₹30,000 per month.

Documentation includes identity proof (Aadhaar/PAN), address proof, income proof (salary slips/ITR), and bank statements for the last 3-6 months. The approval timeline typically ranges from 7-14 working days for both cards, subject to verification and credit assessment.

Eligibility Criteria	HDFC Regalia Gold	Tata Neu Plus HDFC
Minimum Age	21 years	21 years
Maximum Age	60 years	60 years
Minimum Income	₹50,000-₹75,000/month (approx.)	₹25,000-₹30,000/month (approx.)
Credit Score	750+ (recommended)	750+ (recommended)
Employment	Salaried/Self-employed	Salaried/Self-employed
Approval Time	7-14 working days	7-14 working days

HDFC Regalia Gold vs Tata Neu Plus: Complete Fee Structure

The fee structure significantly differentiates these cards. The HDFC Regalia Gold commands a premium annual fee of ₹2,500 + GST (approximately ₹2,950 total), with the same joining fee, reflecting its premium tier positioning. However, cardholders receive a ₹2,500 voucher upon paying the joining fee, effectively offsetting the initial cost.

The Tata Neu Plus is considerably more affordable with an annual fee of ₹499 + GST (approximately ₹589 total), and for select customers, the joining fee is completely waived, making it an attractive entry point. Both cards charge a foreign currency markup of approximately 3.5% on international transactions, while add-on cards for family members typically incur nominal or waived fees depending on spending patterns.

Waiver conditions differ notably: Regalia Gold often waives the renewal fee on annual spending above ₹3 lakhs, while Tata Neu Plus focuses on Tata ecosystem engagement for fee benefits.

Fee Type	HDFC Regalia Gold	Tata Neu Plus HDFC
Joining Fee	₹2,500 + GST	₹499 + GST (waived for select)
Annual Fee	₹2,500 + GST	₹499 + GST
Add-on Card	Nominal/Waived	Nominal/Waived
Foreign Currency Markup	~3.5%	~3.5%
Fee Waiver	On ₹3L+ annual spend	Engagement-based

Welcome Offers: HDFC Regalia Gold vs Tata Neu Plus

The welcome benefits reveal the strategic positioning of each card. HDFC Regalia Gold delivers an impressive welcome package including a ₹2,500 voucher immediately upon payment of the joining fee, effectively recovering the initial cost. Additionally, cardholders gain access to Swiggy One membership, MakeMyTrip Black Elite status, and Club Vistara Silver membership upon spending ₹1 lakh within the first 90 days—a compelling incentive for frequent travelers and food delivery users.

The Tata Neu Plus takes a simpler approach, offering 499 NeuCoins (worth approximately ₹499) credited only when the joining fee is paid. While this directly offsets the fee for those who pay it, the benefit package is significantly smaller compared to Regalia Gold’s multi-faceted welcome suite.

Spending requirements for Regalia Gold’s premium welcome benefits are substantial but achievable for target customers, while Tata Neu Plus focuses on immediate, straightforward value without complex spending thresholds. The timeline to earn these benefits ranges from immediate (vouchers/NeuCoins) to 90 days (membership benefits) for Regalia Gold.

How You Earn: HDFC Regalia Gold vs Tata Neu Plus Rewards Breakdown

The rewards structure is where these cards truly diverge. HDFC Regalia Gold operates on a Reward Points (RP) system, offering a base earning rate of 4 RPs per ₹150 spent (approximately 2.67% reward rate) on general purchases. The real value emerges with accelerated earning: 5X rewards (20 RPs per ₹150 or 13.33%) on premium partners including Myntra, Nykaa, Marks & Spencer, and Reliance Digital.

Milestone bonuses add significant value: spend ₹1.5 lakhs per quarter to earn ₹1,500 in vouchers, reach ₹5 lakhs annually for a ₹5,000 flight voucher, and hit ₹7.5 lakhs for an additional ₹5,000 voucher—totaling up to ₹10,000 in annual milestone rewards.

Tata Neu Plus uses the NeuCoin currency, earning 2% NeuCoins on Tata Neu app and Tata brand purchases, and 1% on all other spending including UPI transactions (subject to monthly caps). NeuPass holders enjoy an extra 5% NeuCoins on Tata Neu app categories, making it exceptionally rewarding for Tata ecosystem loyalists.

Spending caps apply differently: Regalia Gold has no specific caps on reward earning but requires higher transaction values to maximize benefits, while Tata Neu Plus implements monthly earning caps on NeuCoins to manage liability.

Reward Type	HDFC Regalia Gold	Tata Neu Plus HDFC
Base Rate	4 RPs/₹150 (2.67%)	1% NeuCoins (others/UPI)
Accelerated	20 RPs/₹150 (13.33%) on select brands	2% on Tata brands, +5% for NeuPass
Milestones	₹10,000/year in vouchers	None
Spending Caps	None	Monthly caps apply
Partner Offers	Myntra, Nykaa, Reliance, M&S	Tata Neu ecosystem

Redeeming Your Rewards: HDFC Regalia Gold vs Tata Neu Plus

Redemption flexibility distinguishes the user experience. HDFC Regalia Gold Reward Points can be redeemed through multiple channels: the HDFC Bank NetBanking portal, mobile app, or by calling customer service. Points convert to statement credits, travel bookings, merchandise, gift vouchers, and can be transferred to airline and hotel loyalty programs. The minimum redemption threshold typically starts at 500-1,000 RPs, and points generally have a validity of 2-3 years from earning date.

Tata Neu Plus NeuCoins offer a more straightforward redemption: coins are automatically credited to your Tata Neu account and can be applied during checkout on the Tata Neu app across all participating Tata brands including BigBasket, Tata CLiQ, Croma, Westside, and 1mg. NeuCoins work as instant discounts (1 NeuCoin = ₹1), with no minimum redemption threshold on most platforms, though some brands may have minimum order values.

Restrictions differ significantly: Regalia Gold points cannot be combined with certain promotional offers, while NeuCoins have brand-specific terms and validity periods (typically 365 days from credit). Expiration policies require attention—unused Regalia Gold points expire if the card is closed, while NeuCoins lapse after one year of inactivity.

HDFC Regalia Gold vs Tata Neu Plus: Airport Lounge Benefits

Lounge access is a defining feature where HDFC Regalia Gold significantly outperforms. Cardholders enjoy 12 complimentary domestic lounge visits per year and 6 international lounge visits annually through networks like Priority Pass, Visa/Mastercard lounges, and HDFC Bank’s proprietary lounge network. There are no quarterly spending requirements—access is automatic and unconditional, making it ideal for frequent travelers.

Tata Neu Plus offers more limited access: 1 complimentary domestic lounge visit per quarter (4 visits annually), but only after spending ₹50,000 in the preceding 3 months. There is no international lounge access, positioning this card for occasional domestic travelers who meet spending thresholds. The lounge network includes domestic airports through partnerships, but coverage is substantially narrower than Regalia Gold.

Guest policies vary: Regalia Gold typically allows guests at select lounges (terms vary by network), while Tata Neu Plus is strictly for the primary cardholder. For travelers prioritizing airport comfort and global connectivity, Regalia Gold delivers premium, condition-free access.

Lounge Benefit	HDFC Regalia Gold	Tata Neu Plus HDFC
Domestic Visits	12/year (complimentary)	1/quarter (4/year)
International Visits	6/year	Not Available
Spending Condition	None	₹50,000/quarter
Guest Policy	Allowed (select lounges)	Primary cardholder only
Networks	Priority Pass, Visa, Mastercard	Domestic partnerships

When to Use HDFC Regalia Gold vs Tata Neu Plus

Card A (Regalia Gold) is better for:

Frequent travelers who value airport lounge access domestically and internationally
Online shoppers who regularly purchase from Myntra, Nykaa, Reliance Digital, and other premium e-commerce platforms
Users seeking milestone-based rewards through significant annual spending (₹5-7.5 lakhs)
Those who want premium travel memberships (Club Vistara, MakeMyTrip Elite)
High spenders who can leverage the 5X rewards on partner brands to maximize returns

Real-world example: A professional spending ₹60,000 monthly on Myntra/Nykaa and traveling quarterly would earn substantial 5X rewards plus lounge access, easily justifying the ₹2,500 annual fee.

Card B (Tata Neu Plus) is better for:

Tata ecosystem enthusiasts who regularly shop on BigBasket, Tata CLiQ, Croma, Westside
UPI users seeking 1% rewards on digital payments (within monthly caps)
Budget-conscious users preferring lower annual fees (₹499) with straightforward rewards
Occasional travelers who can meet the ₹50,000 quarterly spend for lounge access
Those holding NeuPass membership to maximize the additional 5% rewards

Real-world example: A family spending ₹30,000 monthly on groceries (BigBasket) and Tata brands would accumulate significant NeuCoins redeemable instantly, with minimal fee burden.

Common Questions About HDFC Regalia Gold vs Tata Neu Plus

Q1: Is either card lifetime free? Neither card is lifetime free (LTF). The HDFC Regalia Gold charges ₹2,500 + GST annually, while Tata Neu Plus has a ₹499 + GST annual fee. However, Regalia Gold often waives renewal fees on annual spending above ₹3 lakhs, and Tata Neu Plus may waive joining fees for select applicants during promotional periods.

Q2: How do I redeem my rewards on each card? Regalia Gold Reward Points redeem via HDFC NetBanking, mobile app, or customer service for statement credits, travel bookings, vouchers, or airline miles. Tata Neu Plus NeuCoins redeem automatically during checkout on the Tata Neu app across all participating brands with 1 NeuCoin = ₹1 instant discount.

Q3: Can I access international lounges with Tata Neu Plus? No, Tata Neu Plus provides only domestic lounge access (1 visit per quarter on ₹50,000 spend). For international lounge access, the HDFC Regalia Gold offers 6 complimentary visits annually through Priority Pass and global networks.

Q4: Which card gives better rewards for online shopping? HDFC Regalia Gold is superior for premium online brands like Myntra, Nykaa, and Reliance Digital, offering 5X rewards (13.33%). Tata Neu Plus excels specifically for Tata-owned platforms (BigBasket, Tata CLiQ) with 2% base + 5% NeuPass bonus, but offers only 1% on other e-commerce.

Q5: Can I upgrade from Tata Neu Plus to Regalia Gold? Yes, HDFC Bank allows card upgrades based on credit profile, income verification, and spending patterns. Contact HDFC customer service or visit a branch to request an upgrade. Eligibility requires meeting Regalia Gold’s income criteria (typically ₹50,000+ monthly) and maintaining good credit standing.

Which Card Should You Choose: HDFC Regalia Gold or Tata Neu Plus?

Both cards serve distinct user profiles within the HDFC ecosystem. The HDFC Regalia Gold is undeniably the premium choice for high spenders, frequent travelers, and online shopping enthusiasts who can leverage 5X rewards on partner brands and benefit from extensive lounge access both domestically and internationally. Its milestone vouchers worth up to ₹10,000 annually and premium travel memberships justify the ₹2,500 annual fee for those with spending exceeding ₹5-7.5 lakhs per year.

The Tata Neu Plus is strategically positioned for Tata brand loyalists and budget-conscious users who prioritize affordable fees (₹499 annually) and seamless integration with the Tata Neu ecosystem. Its 2% NeuCoins on Tata purchases and 1% on UPI/general spending make it excellent for everyday transactions, while quarterly lounge access (on meeting spend thresholds) adds occasional travel value.

Choose HDFC Regalia Gold if:

You spend ₹5+ lakhs annually and want to maximize milestone rewards
You travel frequently and value 18 total lounge visits (12 domestic + 6 international)
You regularly shop on Myntra, Nykaa, Reliance Digital for 5X accelerated rewards
You want premium memberships (Swiggy One, MakeMyTrip Elite, Club Vistara)

Choose Tata Neu Plus if:

You’re a Tata ecosystem user (BigBasket, Tata CLiQ, Croma, Westside)
You prefer lower annual fees and simpler reward structures
You make frequent UPI payments and want 1% rewards on digital transactions
You’re an occasional traveler comfortable with quarterly spending requirements for lounge access

Final Verdict: For premium benefits and travel perks, HDFC Regalia Gold is the clear winner. For budget-friendly Tata ecosystem rewards, Tata Neu Plus delivers exceptional value. Assess your annual spending patterns, travel frequency, and brand loyalty to make the optimal choice.

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