Know about the key costs, annual fees, and common charges linked to using a Tata Neu credit card.
Last updated on: February 16, 2026
Understanding Tata Neu credit card charges helps you manage the card more effectively and avoid avoidable costs. These charges apply to card ownership, renewal, and specific usage scenarios. Knowing them in advance supports better payment discipline and informed spending decisions.
Here is a clear breakdown of the joining and annual charges applicable to the Tata Neu credit cards available on Bajaj Markets:
| Card Variant | Annual Renewal Fee |
|---|---|
₹499 + GST |
|
₹1,499 + GST |
Disclaimer - The values mentioned may change as per the policies of the issuer.
Note: The Tata Neu credit card annual fee is charged from the second year onwards. With annual charges you get continued access to card features and services.
Spend-based waivers reward regular card usage and help reduce the overall cost of card ownership. Tracking your yearly spending allows you to plan transactions and avoid renewal charges where possible.
Here is a breakdown of Tata Neu credit card renewal fees and the spend-based conditions required for a fee waiver:
| Card Variant | Annual Renewal Fee | Spend Required for Fee Waiver (Previous Year) |
|---|---|---|
Tata Neu Infinity HDFC Bank Credit Card |
₹1,499 + GST |
₹3 Lakhs or more |
Tata Neu Plus HDFC Bank Credit Card |
₹499 + GST |
₹1 Lakh or more |
Renewal fees are charged annually from the second year onwards. Meeting the specified spending threshold in the preceding year helps you avoid renewal charges and manage long-term card costs more effectively.
Cash withdrawals made using the credit card are treated as cash advance transactions. These are meant for emergency use and attract specific charges from the date of withdrawal.
Cash can be withdrawn from ATMs in India or abroad. However, Tata Neu credit card cash withdrawal charges apply as per the following structure:
| Charge Type | Applicable Details |
|---|---|
Cash Withdrawal Fee |
2.5% of the withdrawn amount or ₹500, whichever is higher |
When the Fee Is Billed |
Charged to the card statement in the next billing cycle |
Interest-Free Period |
Not applicable |
GST |
Levied on applicable fees and interest |
Disclaimer - The values mentioned may change as per the policies of the issuer.
Since interest starts accruing immediately and fees are relatively high, cash withdrawals should be used only when no other payment option is available.
Late payment charges apply when the total due or the minimum amount due is not paid by the specified due date. These charges depend on the outstanding balance at the time of default.
The Tata Neu credit card late payment charges applicable are as follows:
| Outstanding Balance | Late Payment Charges (Excl. GST) |
|---|---|
Less than or equal to ₹100 |
Nil |
₹101 to ₹500 |
₹100 |
₹501 to ₹1,000 |
₹500 |
₹1,001 to ₹5,000 |
₹600 |
₹5,001 to ₹10,000 |
₹750 |
₹10,001 to ₹25,000 |
₹900 |
₹25,001 to ₹50,000 |
₹1,100 |
More than ₹50,000 |
₹1,300 |
Disclaimer - The values mentioned may change as per the policies of the issuer.
In addition to these charges, interest continues to accrue on the outstanding balance, and repeated delays may negatively impact your credit score. Paying dues on time helps avoid penalties and supports healthy credit behaviour.
Overlimit charges apply when your total outstanding balance exceeds the approved credit limit. These charges are applied only when the cardholder has given explicit consent to use a limit beyond the sanctioned amount.
The overlimit charges are applied as follows:
| Charge Type | Applicable Details |
|---|---|
Overlimit Charge |
2.5% of the overlimit amount |
Minimum Charge |
₹550 |
Consent Requirement |
Explicit consent required from the cardholder |
Interest on Excess Amount |
Applicable as per card terms |
Disclaimer - The values mentioned may change as per the policies of the issuer.
Repeated overlimit usage may affect future credit limit reviews and overall card management. Monitoring available credit before spending helps avoid these penalties.
Foreign transactions include payments made outside India or purchases on international websites. These transactions involve currency conversion before being billed to your card account.
For the Tata Neu Plus HDFC Bank Credit Card, the foreign transaction charge is applied as follows:
| Charge Type | Applicable Details |
|---|---|
Foreign Currency Markup Fee |
3.5% of the transaction value |
Exchange Rate Basis |
Card network rate on transaction date |
Taxes |
Applicable on the markup amount |
Disclaimer - The values mentioned may change as per the policies of the issuer.
Note: Being aware of the currency used during payment helps reduce unexpected costs when spending internationally.
There are certain charges that apply when transactions are converted into EMIs or when balances are transferred from another credit card.
Here are the details:
EMI Conversion Charges
Different EMI options attract different processing fees and terms, based on the type of conversion and customer eligibility.
Here’s the detailed table:
| EMI Type | Applicable Charges and Terms |
|---|---|
Auto EMI |
Applicable on transactions of ₹10,000 or more |
Auto EMI Tenure |
9 months |
Auto EMI Interest Rate |
20% per annum |
Auto EMI Processing Fee |
₹99 + GST |
Smart EMI Processing Fee |
Up to ₹999 (exclusive of GST), based on eligibility and offer |
EasyEMI Processing Fee |
Up to ₹299, charged at participating merchants |
Disclaimer - The values mentioned may change as per the policies of the issuer.
Balance Transfer Charges
Balance transfers allow you to move outstanding dues from another credit card to the Tata Neu credit card.
Check this table:
| Charge Type | Applicable Details |
|---|---|
Balance Transfer Processing Fee |
1% of the transferred amount or ₹250, whichever is higher |
Interest and Taxes |
Applicable as per selected tenure and card terms |
Disclaimer - The values mentioned may change as per the policies of the issuer.
Reviewing EMI and balance transfer terms carefully helps you manage repayment costs and avoid unexpected charges.
Certain service requests and payment methods may attract charges, depending on how the card is used.
Here are some of these other applicable charges:
| Fee Type | Applicable Charges |
|---|---|
Cash Processing Fee |
₹100 (for card payments made by depositing cash at HDFC Bank branches or ATMs) |
Payment Return Charges |
2% of the payment amount, subject to a minimum of ₹450 |
Pre-Closure Charges |
3% of the balance principal outstanding |
Card Validation Charges |
₹2 (non-reversible) |
Reissue of Lost, Stolen, or Damaged Card |
₹100 |
Disclaimer - The values mentioned may change as per the policies of the issuer.
These charges apply only in specific situations. Checking applicable fees in advance helps you avoid unexpected costs during card usage.
You can manage Tata Neu credit card fees and charges effectively by following simple usage habits.
Helpful tips include:
Pay the total outstanding amount before the due date
Avoid ATM cash withdrawals unless absolutely necessary
Track annual spending to meet renewal fee waiver conditions
Stay within your assigned credit limit
Review statements regularly for accuracy
Responsible usage helps you minimise costs and get better value from your credit card.
Reviewer
The Tata Neu credit card annual fee for the Tata Neu Plus variant is ₹499 plus GST. This fee is charged from the second year onwards.
Yes. The Tata Neu credit card renewal fee is waived if your total card spending exceeds ₹1,00,000 in the preceding year.
If you miss the due date, late payment charges apply based on your outstanding balance. Interest continues to accrue, and repeated delays may impact your credit score.
Interest is charged when outstanding dues are not paid in full by the due date. The applicable rate depends on card terms and continues until repayment is completed.
Yes. Overlimit charges apply at 2.5% of the overlimit amount, subject to a minimum of ₹550, and only when explicit consent for overlimit usage is provided.
Yes. EMI processing fees vary by option, such as ₹99 + GST for Auto EMI, up to ₹999 (exclusive of GST) for Smart EMI, and up to ₹299 for EasyEMI at merchants.
You can reduce charges by paying dues on time, avoiding ATM cash withdrawals, staying within your credit limit, and meeting annual spend thresholds to avoid renewal fees.