HDFC Bank
Tata Neu Plus HDFC Bank Credit Card
Annual Fee
₹589₹499 + GSTBase Reward
1% cashback
Foreign Markup
3.5%
Welcome Benefits
499 NeuCoins on successful transaction within first 30 days
Product Highlights
- 499 NeuCoins welcome benefit on first transaction
- 2% back as NeuCoins on Tata brands
- 1% back as NeuCoins on Non-Tata brands
Category Rewards
shopping
2% back on Tata brands
2%
Specialty
1% back on Non-Tata brands
1%
Fee Waiver
Waived on ₹1L annual spend
Merchant-Specific Rewards
Croma
2% on Tata Neu partner brands
BigBasket
2% on Tata Neu partner brands
Westside
2% on Tata Neu partner brands
Tata CLiQ
2% on Tata Neu partner brands
Tata 1mg
2% on Tata Neu partner brands
Cult.fit
2% on Tata Neu partner brands
Air India
2% on Tata Neu partner brands
Air India Express
2% on Tata Neu partner brands
Qmin
2% on Tata Neu partner brands
Tata Play
2% on Tata Neu partner brands
Starbucks
2% on Tata Neu partner brands
Reward Calculator
Earns ₹1,331/year (net)
Modest gain. Solid hold if you like the perks.
₹13K
across all your buckets
1.9K
Tata NeuCoins
₹1.9K
via standard
Effective rate
1.23%
Annual fee
₹589
Year 1 net
+₹1,830
incl. welcome
Year 2+ net
+₹1,331
ongoing
Adjust your spend by reward bucket
2 bucketsSurcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Foreign exchange markup
3.5%Charged on every international (non-INR) transaction
Excluded from rewards
fuel, wallet, cash advance, outstanding balance, rent, government, education, online gaming, emi
Fuel surcharge waiver (good news)
1%on ₹400–₹5,000 fuel txns · capped at ₹250/cycle
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
2% back as NeuCoins while shopping at Tata brands like Tata 1MG, Croma, Air India, Titan, Tanishq, IHCL. 1% back as NeuCoins on non-Tata brands. Additional 5% back on Tata Neu app or website.
Redemption
NeuCoins can be redeemed on the Tata Neu App/Website or on Partner Tata Brands.
Benefits & Features
Domestic: 4 Free Lounge Visits (Min ₹50,000 quarterly spend required for activation) International: N/A (N/A) Complimentary lounge access on ₹50,000+ quarterly spend. Without spend criteria, lounge access is not available.
Pros & Cons
Pros
- High rewards on Tata brands with 2% back
- Waive off renewal fees with ₹1L spend
- Additional 5% back on Tata Neu app
Cons
- No international lounge access
- No movie or dining benefits
- NeuCoins expire after 365 days
Additional Info
NeuCoins are valid for a period of 365 days from the date of earning.
Cardholders must perform a transaction within the first 30 days to receive the welcome benefit.
The renewal fee is waived only if the cardholder spends ₹1L or more in a calendar year.
Max 1,000 NeuCoins per month from grocery transactions.
Excluded Categories
Partner Merchants
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Min Age
21 yrs
Salaried
₹0.3L+
Self-Emp
₹6.0L+
Networks
Fee Waiver
Waived on ₹1L annual spend