HDFC Bank
Tata Neu Plus
The Tata Neu Plus HDFC Bank Credit Card is a co-branded card and the base variant of the Tata Neu Infinity HDFC Credit Card, designed for frequent shoppers within the Tata Neu ecosystem. Cardholders can earn up to 7% value-back on select Tata Neu spends in the form of NeuCoins — with 2% on non-EMI Tata Neu and partner brand purchases, plus an additional 5% on select transactions via NeuPass membership.
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Data last updated 6 June 2026.
At a Glance
Annual Fee
₹499
Joining Fee
₹499
Fee Waiver
Spend ₹1,00,000 annually
Lounge Access
1 domestic lounge access per quarter
Forex Markup
3.5%
Effective Yield
1% – 7%
Our Take
CreditGully Rating
Based on CreditGully editors' analysis. Not influenced by card issuers.
The Tata Neu Plus HDFC Bank Credit Card is a co-branded card and the base variant of the Tata Neu Infinity HDFC Credit Card, designed for frequent shoppers within the Tata Neu ecosystem. Cardholders can earn up to 7% value-back on select Tata Neu spends in the form of NeuCoins — with 2% on non-EMI Tata Neu and partner brand purchases, plus an additional 5% on select transactions via NeuPass membership. On all other spends, the card earns 1% NeuCoins, including UPI payments.
NeuCoins are redeemable at 1 NeuCoin = ₹1 across Tata Neu and a wide range of partner brands — including BigBasket, Westside, Croma, Air India, Tata CLiQ, and Tata 1MG — making redemption flexible and practical.
What We Like
The Tata Neu Plus HDFC Credit Card stands out for its flexible rewards ecosystem. Cardholders earn 2% NeuCoins on purchases at Tata Neu and its partner brands — BigBasket, Westside, Croma, Air India, Tata 1MG, and more — with the added advantage of redeeming those NeuCoins across the entire Tata Neu partner network at ₹1 per NeuCoin, rather than being locked into a single brand.
For a ₹499 annual fee, the card delivers solid everyday value — up to 7% back on select Tata Neu spends, 1% on UPI transactions (via Tata Neu UPI ID), and domestic lounge access. It won't replace a premium travel card, but for regular Tata Neu shoppers, it's a practical and cost-effective wallet addition.
Pros
- ✓Earn up to 7% value-back in NeuCoins on Tata Neu spends
- ✓Strong redemption value — 1 NeuCoin = ₹1, usable across Tata Neu and partner brands
- ✓Welcome benefit of 499 NeuCoins on first transaction within 30 days
- ✓4 complimentary domestic lounge visits per year (milestone-based, 1 per quarter on ₹50,000 quarterly spend)
Cons
- ✗No milestone benefits beyond the annual fee waiver and lounge access
- ✗Rewards redeemable only within the Tata Neu ecosystem and partner brands
- ✗No international lounge access
- ✗Domestic lounge access is spend-based, not guaranteed
Get This Card If
- ✓You regularly shop at Tata Neu and partner brands — BigBasket, Westside, Croma, and more
- ✓You prefer a simple, direct rewards programme where points redeem at full ₹1 value within the ecosystem
- ✓You can comfortably spend ₹1 lakh annually to avail the renewal fee waiver
Earning & Redemption
How You Earn
| Category | Reward rate | Yield % | Cap |
|---|---|---|---|
| Tata Neu App & Partner Brands | 2% NeuCoins | 2.00% | No overall cap, but merchant/category-specific limits apply |
| Tata NeuPass Bonus (Tata Neu App) | Additional 5% NeuCoins | 5.00% | Subject to NeuPass category limits |
| UPI Spends (Base) | 0.25% NeuCoins | 0.25% | 500 NeuCoins per calendar month |
| UPI Spends (Tata Neu UPI ID Bonus) | Additional 0.75% NeuCoins | 0.75% | Included within 500 NeuCoins monthly UPI cap |
| Non-Tata Retail Spends | 1% NeuCoins | 1.00% | No explicit cap |
| Excluded Categories | No NeuCoins | 0.0% | — |
Milestone Rewards
| Spend | Benefit | Value | Summary |
|---|---|---|---|
| ₹0.5 Lakh | Lounge Access Gate | 1 Domestic Lounge Visit | Spending ₹50k in a calendar quarter unlocks 1 lounge voucher for the next quarter. |
| ₹1 Lakh | Fee Waiver | ₹499 + GST Savings | Annual renewal fee is waived upon reaching ₹1 Lakh annual spend. |
Redemption Value
| Channel | Value per point | Verdict |
|---|---|---|
| Tata Neu Ecosystem (App/Offline) | ₹1.00 per NeuCoin1:1 Ratio | Best Value (Seamlessly use points at checkout for BigBasket, Croma, 1mg, etc.) |
What You Need to Know
The 'App-Only' UPI Rule
To get 1% on UPI, you MUST use the Tata Neu app. Third-party apps (GPay/PhonePe) yield only 0.25%.
Impact: Using third-party apps results in a 75% loss of potential UPI rewards.
The 2026 Lounge spend-gate
Effective June 10, 2025, domestic lounge access is no longer 'complimentary' on swipe.
Impact: Casual users spending <₹16,700/month will have zero lounge access.
NeuCoin Expiry
Coins expire after 365 days of inactivity (no coins earned or redeemed).
Impact: As long as you use the card once a year, your balance remains safe.
Grocery Cap
NeuCoins on Grocery spends are capped at 1,000 per month.
Impact: Limits the yield for large families spending >₹14,000/month on BigBasket.
Essential Fine Print
Reward Exclusions
Non-Reward Spends: Fuel, wallet loads, cash advances, rent payments, and government transactions do not earn NeuCoins.
Welcome Offer
Welcome NeuCoins
499 NeuCoins on the first transaction made within 30 days of card issuance (applicable on joining fee payment).
Lounge Access
Domestic Lounge Access
4 complimentary domestic lounge visits per calendar year (limited to 1 per quarter). Domestic Lounge Access benefit is milestone based and can be availed as a Lounge Voucher on spends of ₹50,000 or more in a calendar quarter.
Milestone Benefits
Annual Fee Waiver
Spend ₹1 Lakh or more in a year to get the renewal fee waived for the next year.
Additional Features
Contactless Payments
Equipped with contactless technology for fast and secure payments at retail outlets.
Zero Lost Card Liability
Report card loss immediately to the 24-hour call center to have zero liability on any fraudulent transactions.
Fees & Charges
| Fee Type | Amount / Details |
|---|---|
| Joining Fee | ₹499 |
| Annual / Renewal Fee | ₹499 |
| Fee Waiver Threshold | Spend ₹1,00,000 annually |
| Forex Markup | 3.5% |
| Reward Redemption Fee | ₹99 per redemption |
| Fuel Surcharge Waiver | 1% surcharge |
Eligibility Criteria
Salaried Individuals
Age: 21 to 60 years. Monthly Income: Above ₹25,000.
Self-Employed Individuals
Age: 21 to 65 years. Annual Income (ITR): Above ₹6 Lakhs.
Ready to apply for Tata Neu Plus?
Annual fee: ₹499 · Waived on ₹1,00,000 spend
Frequently Asked Questions
Annual fee
₹499
1% – 7% yield