Tata Neu Plus HDFC Bank Credit Card credit card
Rewards

Tata Neu Plus HDFC Bank Credit Card

HDFC logo HDFC
8.1
CardTrail Score
Very Good
out of 10
Net Value
9.2
Accessibility
8.5
Feature Depth
5.5
Bank Trust
9.0
How we score →
Annual Fee
₹499
Spend Rs 1L/year
Forex Markup
3.5%
Reward Rate
1%
Up to 7%
Lounge Access
1
domestic | 0 intl

About This Card

The Tata Neu Plus HDFC Bank Credit Card offers up to 7% value back on Tata ecosystem brands including BigBasket, Croma, Air India, Titan, and Taj Hotels. The 499 NeuCoin welcome bonus effectively makes the first year free. Best for regular users of Tata brands, though value is limited outside the ecosystem.

Pros & Cons

Pros

  • Up to 7% on Tata ecosystem (BigBasket, Croma, Air India, Taj)
  • Welcome bonus of 499 NeuCoins covers first year fee
  • 1% UPI rewards is a unique offering
  • Low Rs 199 fee with Rs 1L waiver

Cons

  • Lounge access requires Rs 50K quarterly spend gate
  • NeuCoins only redeemable within Tata ecosystem
  • UPI cashback capped at 500 NeuCoins/month
  • Value diminishes if you don't use Tata brands

Fee Details

Annual Fee
₹499
Joining Fee
₹499
Fee Waiver Condition
Spend Rs 1L/year
Fuel Surcharge Waiver
Yes
EMI Conversion
Yes

Reward Structure

Base Rate
1%
Max Rate
7%
Currency
NeuCoins
Welcome Bonus
499 NeuCoins on first transaction within 30 days

Lounge Access

Domestic Lounges
1
per quarter
International Lounges
0
Spend Gate Required
You must spend ₹50,000 per quarter to activate lounge access.

Key Highlights

  • Up to 7% value back on Tata partner brands (Air India, Croma, Westside, BigBasket, Taj)
  • 2% value back on Tata Neu and partner brands
  • 1% value back on UPI spends (capped 500 NeuCoins/month)
  • 499 NeuCoins welcome bonus (effectively free first year)
  • Domestic lounge access on Rs 50K quarterly spend milestone

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Active Offers (1)

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Offer 25d left

10% instant discount on Amazon

Get 10% instant discount up to Rs 1,500 on Amazon.in purchases over Rs 5,000. Valid on all HDFC credit cards.

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Quick Summary

Best For
tata ecosystem rewards
Annual Fee ₹499
Base Reward 1%
Max Reward 7%
Forex Markup 3.5%
Network Visa
Min Income ₹3L+

CardTrail Score

8.1
/ 10

Scored across rewards, fees, lounge access, forex, and overall value. Methodology.

Best For

tata ecosystem rewards

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