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Tata Neu Plus HDFC Bank Credit Card

Make the most of this rewarding credit card and earn while you spend.

The Tata Neu Plus HDFC Bank Credit Card combines Tata Digital's services with HDFC Bank's financial solutions, offering valuable benefits for everyday shoppers. Earn NeuCoins on purchases and enjoy savings across categories like shopping, travel, and e-commerce, along with complimentary domestic airport lounge access. With the flexibility to choose between RuPay or Visa for payments, this card is accessible to a wide range of customers. It's clear rewards system and broad acceptance make it an excellent choice for frequent shoppers and Tata loyalists seeking convenience and value in their spending.

Key Highlights of the Tata Neu Plus HDFC Bank Credit Card

Here are the main features that make this card:

Key Features Description

Joining Fee

Nil

Renewal Fee

₹499 + taxes

Suitable for

Individuals seeking rewards on purchases

Features and Benefits of Tata Neu Plus HDFC Bank Credit Card

The Tata Neu Plus HDFC Bank Credit Card is available in two variants to suit different needs—Standard (regular credit card) and FD-backed (secured against a Fixed Deposit). Both offer powerful rewards and privileges, but with slight differences in eligibility and bonus benefits. 

Common Benefits Across Both Variants:

  • Savings on Tata Neu App

Unlock incredible savings with up to 7% back as NeuCoins on eligible purchases through the Tata Neu app and partner Tata brands. 

  • Additional Rewards on UPI Transactions

Get 0.25% back on eligible UPI transactions, plus an extra 0.75% using the Tata Neu UPI ID.

  • Complimentary Airport Lounge Access:

Experience luxury travel with 4 complimentary domestic airport lounge visits each year, ensuring comfort before your flight. 

  • Fuel Surcharge Waiver:

Benefit from a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped at ₹250 per billing cycle. 

  • Transparent Rewards Structure:

Each NeuCoin equals ₹1 savings, making it effortless to redeem rewards across various brands like Taj Hotels and Starbucks. 

  • Choice of Network:

Enjoy the flexibility of using your card on both Visa and RuPay networks, ensuring wide acceptance across merchants.  

Here is what makes each variant unique:

Feature Standard Variant FD-backed Variant

Suitable for

Users with a credit history

New-to-credit or building credit

Joining Fee

Nil

Nil

Annual Fee

₹499 + taxes (waived on annual spends of₹1 Lakh)

Free for the first year

Eligibility

Based on income and credit score

Backed by a Fixed Deposit

Exclusive Bonus

499 NeuCoins on activation

One-time 30% off voucher on Taj Hotels – Stay, Dining, and Spa

FD Interest Rate

Not applicable

Up to 7.5% p.a.* on linked FD

Disclaimer: *Terms and conditions apply.

Rewards Programme of the Tata Neu Plus HDFC Bank Credit Card

The Tata Neu Plus HDFC Bank Credit Card offers a simple and transparent rewards programme, allowing you to earn NeuCoins on eligible purchases. 

Here are the pointers you need to know regarding the rewards section:

  • Earn 2% back as NeuCoins on non-EMI retail spends

  • NeuPass members get an additional 5% back, totalling up to 7% savings

  • Get 1% back on other eligible spends, including merchant EMI transactions

  • Earn 0.25% NeuCoins on eligible UPI spends on any UPI app & an extra 0.75% NeuCoins on UPI transactions via the Tata Neu UPI ID (capped at 500 NeuCoins/month)

  • Each NeuCoin is equal to ₹1 savings and can be redeemed across multiple categories

Example of Spends and Rewards

Here’s an overview of the potential monthly and annual rewards you can earn with the Tata Neu Plus HDFC Bank Credit Card, based on its rewards structure:

Category Monthly Spend (₹) NeuCoin Earnings Monthly NeuCoins Earned Annual NeuCoins Earned Annual Value (₹)

Retail Spends (Partner Brands)

₹12,000

2%

240

2,880

₹2,880

NeuPass Bonus (Partner Brands)

₹12,000

Additional 5%

600

7,200

₹7,200

Retail Spends (Non-partner Brands)

₹10,000

1%

100

1,200

₹1,200

UPI Transactions (with Tata Neu UPI ID)

₹5,000

0.25% + 0.75% (Total 1%)

50

600

₹600

Merchant EMI Spends

₹8,000

1%

80

960

₹960

Utilities & Others

₹8,000

1%

60

720

₹720

Total

₹ 53,000

-

1,130

13,560

₹13,560

Total Annual NeuCoins and Value:

  • Total Annual NeuCoins: 13,560 NeuCoins

  • Total Annual Value: ₹13,560

Disclaimer: The above example is for illustrative purposes only. Actual rewards may vary based on the card variant, spending patterns, and current offers.

Tata Neu Plus HDFC Bank Credit Card Fees and Charges

Here’s a breakdown of the fees and charges for the Tata Neu Plus HDFC Bank Credit Card:

Fees and Charges Details

Joining Fees

Nil

Renewal Fees

₹499 + GST

Eligibility Criteria for Tata Neu Plus HDFC Bank Credit Card

To qualify for the Tata Neu Plus HDFC Bank Credit Card, you need to meet the following criteria:

  • You should be between 21 and 60 years old

  • You’ll need a minimum monthly income of ₹25,000

Disclaimer: Eligibility is subject to HDFC Bank’s and Tata Digital’s policies, verification process, and final approval decisions.

Documents Required for the Tata Neu Plus HDFC Bank Credit Card

When applying for the Tata Neu Plus HDFC Bank Credit Card, you must gather a few essential documents:

Identity Proof

  • PAN card

  • Passport

  • Aadhaar card

  • Recent colour photographs

Disclaimer: Document requirements are subject to change; verify with Tata Digital or HDFC Bank for the most accurate and updated list.

How to Apply for the Tata Neu Plus HDFC Bank Credit Card

Here’s how to apply for the Tata Neu Plus HDFC Bank Credit Card in just a few easy steps:

  1. Start by clicking on the ‘Check Eligibility’ button on this page

  2. Enter your phone number, date of birth, and occupation

  3. You will get a One-Time Password (OTP) sent to your phone—simply enter it to verify your identity

  4. Look over the pre-filled information, including your PAN card number, email, PIN code, and income details

  5. Choose a suitable card that fits your needs best

  6. You will be redirected to the official website for the further process

Disclaimer

Reference of all T&C necessarily refers to the terms of the Partners as regards to pre-approved offers and loan processing time amongst other conditions.

Frequently Asked Questions

Is Tata Neu Plus HDFC Bank Credit Card lifetime free?

The Tata Neu Plus HDFC Bank Credit Card is a lifetime free credit card with a renewal fee of ₹499 plus GST. However, the renewal fee is waived if you spend ₹1,00,000 or more in the preceding year.

Applicants aged 21–60 years with a considerably good CIBIL score are eligible.

The renewal fee for the Tata Neu Plus HDFC Bank Credit Card is ₹499 plus GST. However, this fee is waived if your annual spending exceeds ₹1,00,000 in the preceding year.

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