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Tata Neu Plus HDFC Bank Credit Card

Get rewards‑focused Tata Neu Plus HDFC Bank Credit Card, available on Bajaj Markets, that helps you earn NeuCoins on everyday spends while offering savings across Tata brands.

Joining Fee Nil

Offers Up to 7% Cashback

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Last updated on: Jul 27, 2026

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What is Tata Neu Plus HDFC Bank Credit Card

The Tata Neu Plus HDFC Bank Credit Card is a co-branded card that combines Tata Digital’s ecosystem with HDFC Bank’s banking services. It allows users to earn NeuCoins on eligible spends and access savings across Tata brands, retail, and travel categories.

Available on RuPay and Visa networks, the card also offers domestic airport lounge access, typically subject to milestone-based spend conditions. It is designed for users who frequently transact within the Tata ecosystem.

Key Highlights of Tata Neu Plus HDFC Bank Credit Card

Here are the key features of the Tata Neu Plus HDFC Bank Credit Card:

Key Features	Description
Joining Fee	Nil
Renewal Fee	₹499 + taxes
Suitable for	Individuals seeking rewards on purchases

Tata Neu Plus Credit Card Benefits and Features

The Tata Neu Plus HDFC Bank Credit Card is available in two variants to suit different requirements—Standard (regular credit card) and an FD-backed variant, which functions as a credit card against FD and is secured against a Fixed Deposit. Both variants offer rewarding benefits across Tata brands, shopping, travel, and everyday spending, with certain differences in eligibility criteria and bonus rewards.

Common features and benefits across both variants are as follows:

Benefit Category	Details
Rewards Benefits (Non-UPI)	Earn up to 7% cashback as NeuCoins on eligible spends made through the Tata Neu app and participating Tata brands. NeuCoins can be redeemed across Tata brands, with 1 NeuCoin = ₹1.
Rewards Benefits (UPI)	On the RuPay variant, earn 0.25% back on eligible UPI transactions and an additional 0.75% reward when payments are made using the Tata Neu UPI ID.
Lounge Benefits	Enjoy 4 complimentary domestic airport lounge visits every year, helping make travel more comfortable.
Welcome Benefits	Standard Variant: Receive 499 NeuCoins on card activation. FD-backed Variant: Get a one-time 30% discount voucher on Taj Hotels – Stay, Dining, and Spa.
Fuel Surcharge Waiver	Get a 1% fuel surcharge waiver on fuel transactions between ₹400 and ₹5,000, subject to a maximum waiver of ₹250 per billing cycle, making it useful as a fuel credit card for regular fuel purchases.

Variant-specific Highlights

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.

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
Cash advance fee	2.5% or ₹500 whichever is higher
Interest Charges	3.75% per month or 45.0% per annum

Disclaimer: Fees and charges may change based on updates by the issuer. Check the latest charges applicable as per the Most Important Terms and Conditions (MITC).

Tata Neu Plus HDFC Bank Credit Card Eligibility Criteria

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 Tata Neu Plus HDFC Bank Credit Card

When applying for the Tata Neu Plus 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.

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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:

Start by clicking on the ‘Check Card Offer’ button on this page
Enter your phone number, date of birth, and occupation
You will get a One-Time Password (OTP) sent to your phone—simply enter it to verify your identity
Look over the pre-filled information, including your PAN card number, email, PIN code, and income details
Choose Tata Neu Plus HDFC Bank Credit Card among the available options
You will be redirected to the official website for the further process

Latest Offers on Tata Neu Plus HDFC Bank Credit Card

Here are the latest offers available on your Tata Neu Plus HDFC Bank Credit Card. These deals are grouped by category to help you quickly find shopping, dining, travel, entertainment, and payment‑related savings:

Shopping Credit Card Offers

Here are the shopping‑related offers you can use across retail and lifestyle brands:

Brand	Offer	Offer Validity
Croma	₹500 voucher on first transaction of ₹500	01‑03‑2025 to 07‑10‑2026
Archies	5% cashback + 8.5% instant discount on gift vouchers	Valid till 30‑06‑2026
Bath & Body Works	1% cashback + 9% instant discount on gift vouchers	Valid till 30‑06‑2026
Blaupunkt	1% cashback + 6% instant discount on gift vouchers	Valid till 30‑06‑2026
Frido	1% cashback + 10% instant discount on gift vouchers	Valid till 30‑06‑2026

Dining Credit Card Offers

These offers give you instant discounts and cashback on food‑related brands:

Brand	Offer	Offer Validity
Behrouz Biryani	1% cashback + 2.5% instant discount	Valid till 30‑06‑2026
Domino’s Pizza	1% cashback + 7.5% instant discount on gift vouchers	Valid till 30‑06‑2026
Faasos	1% cashback + 3% instant discount	Valid till 30‑06‑2026

Travel Credit Card Offers

Here are travel‑related offers for flights, hotels, and transport bookings:

Category/Brand	Offer	Offer Validity
Flights (Via, Cleartrip, Easemytrip, Goibibo)	1% NeuCoins	Valid per merchant policy
Hotels (Via, Cleartrip)	4% NeuCoins	Valid per merchant policy
Makemytrip Hotels	4% NeuCoins	Valid per merchant policy
IRCTC	1% NeuCoins	Valid per merchant policy
Redbus	1% NeuCoins	Valid per merchant policy

Entertainment Credit Card Offers

These offers apply to OTT platforms, subscriptions, and digital entertainment:

Brand	Offer	Offer Validity
Hoichoi	1% cashback + 10% instant discount	Valid till 30‑06‑2026
Sony Liv	1% cashback + 30% instant discount	Valid till 30‑06‑2026
Live Hindustan	1% cashback + 40% instant discount	Valid till 30‑06‑2026

Lifestyle Credit Card Offers

These offers cover beauty, wellness, and personal care brands:

Brand	Offer	Offer Validity
MAC	1% cashback + 3% instant discount	Valid till 30‑06‑2026
Healthians	1% cashback + 10% instant discount	Valid till 30‑06‑2026

How Do I Earn NeuCoins on Tata Neu Plus HDFC Bank Credit Card

Key details about the rewards programme are outlined below:

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

The table below illustrates the potential annual value of NeuCoins earned across different spending categories with the Tata Neu Plus HDFC Bank Credit Card.

Spend Categories	Monthly Spends	Annual Benefits	Brands
Tata Neu Partner Brand Purchases	₹12,000	Up to ₹10,080 in annual NeuCoin value (2% NeuCoins + additional 5% NeuPass benefit)	Tata brands such as Tata Cliq, BigBasket, Air India, IHCL (Taj Hotels), Croma, Westside and more
Non-Partner Retail Purchases	₹10,000	Up to ₹1,200 in annual NeuCoin value	Eligible retail merchants across categories
UPI Transactions via Tata Neu UPI ID	₹5,000	Up to ₹600 in annual NeuCoin value	UPI-enabled merchants
Merchant EMI Transactions	₹8,000	Up to ₹960 in annual NeuCoin value	Eligible merchants offering EMI purchases
Utility and Other Eligible Spends	₹8,000	Up to ₹720 in annual NeuCoin value	Utility billers and other eligible merchants

Disclaimer: The above figures are illustrative. Actual rewards may vary depending on spending patterns, applicable caps, eligibility criteria, and changes in the rewards programme.

Disclaimer

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

Pradnya Ranpise

Financial Content Specialist

Reviewer

Saptarshi Ghosh

FAQs on Tata Neu Plus Credit Card

Q: Is Tata Neu Plus HDFC Bank Credit Card lifetime free?

Ans: No, it is not lifetime free. The renewal fee is ₹499 + GST, which is waived if you spend ₹1,00,000 or more in the previous year.

Q: Who is eligible for the Tata Neu Plus HDFC Bank Credit Card?

Ans: Salaried applicants typically need to be 21–60 years with a good credit score. Exact income criteria vary by bank policy.

Q: What is the annual (renewal) fee for the Tata Neu Plus HDFC Bank Credit Card?

Ans: The renewal fee is ₹499 + GST, waived on annual spends of ₹1,00,000.

Q: What type of card is Tata Neu Plus Credit Card?

Ans: It is a co‑branded rewards credit card issued by HDFC Bank in partnership with Tata Neu, available on Visa and RuPay networks.

Q: Is the Tata Neu Plus credit card worth it?

Ans: It is suitable if you frequently shop on the Tata Neu app or at Tata partner brands, as rewards are highest within that ecosystem. Otherwise, benefits may feel limited.