← Part of HDFC Credit Cards in India
The Tata Neu Plus HDFC Bank Credit Card is a co-branded offering, providing up to 7% value back as NeuCoins on select Tata Neu spends. This card is designed for frequent shoppers across Tata brands like BigBasket and Croma, with an annual fee of ₹499 + GST, waived on annual spending of ₹1,00,000 or more.
| Parameter | Details |
|---|---|
| Card Type | Co-branded Credit Card (Base variant of Tata Neu Infinity HDFC Credit Card) |
| Issuing Banks | HDFC Bank in collaboration with Tata Neu |
| Annual Fee (2026) | ₹499 + GST |
| Annual Fee Waiver | Spend ₹1,00,000 or more in a year before renewal date |
| Welcome Benefit | 499 NeuCoins on Tata Neu App (reversal of 1st Year Membership Fees, applicable on 1st retail transaction within 30 days of card issuance, credited within 60 days) |
| Value Back on Tata Neu & Partner Brands | 2% in NeuCoins (on non-EMI purchases) |
| Value Back on Select Tata Neu Spends | Up to 7% in NeuCoins |
| Value Back on Non-Tata Brand Spending | 1% in NeuCoins |
| Value Back on UPI Spending | 1% in NeuCoins (0.25% on RuPay variant, additional 0.75% via Tata Neu UPI ID w.e.f. August 1, 2024) |
| NeuCoin Value | 1 NeuCoin = ₹1 |
| NeuCoin Validity | 12 months (including lock period) from the end of the month credited to Tata Neu Account (w.e.f. August 1, 2025) |
| Fuel Surcharge Waiver | 1% waiver on transactions ₹400-₹5,000 (max waiver ₹250 per statement cycle) |
| Domestic Airport Lounge Access | 1 complimentary visit per calendar quarter (Tata Neu Plus Credit Card) |
| Contactless Payment Limit | ₹5,000 per single transaction without PIN in India |
| Secured Card Option | Available against a minimum fixed deposit of ₹15,000 with HDFC Bank |
| Secured Card Lounge Access | 4 domestic airport lounge visits per year (on min. Spend of ₹50,000 in previous quarter) |
| Secured Card Fuel Savings | Up to ₹3,000 every year |
| NeuCoins Transfer to Tata Neu | Within 7 working days of statement generation |
| Interest-Free Period | Maximum 50 days |
| Add-on Cards | Provided to spouse, siblings, parents, and children over 18 years of age |
This card integrates HDFC Bank’s services with the Tata Neu ecosystem, offering substantial rewards for users loyal to Tata brands and seeking a low annual fee credit card for daily spending.
Tata Neu Plus HDFC Card: Features & Benefits
The Tata Neu Plus HDFC Credit Card offers up to 7% value back as NeuCoins on select Tata Neu and partner brand spends, with 1 NeuCoin equaling ₹1. Cardholders also receive 1 complimentary domestic lounge access per calendar quarter, travel convenience.
| Feature | Details | Key Benefit |
|---|---|---|
| Value Back on Tata Neu & Partner Brands | Up to 7% value back as NeuCoins on select Tata Neu spends and partner brands like Air India, BigBasket, Westside, Croma, Tata 1MG, IHCL, Titan, Tanishq, Qmin, Tata CLiQ Luxury. | Maximized savings on everyday shopping within the extensive Tata ecosystem. |
| Value Back on Non-Tata Brand Spends | 1% value back as NeuCoins on non-Tata brand spending. | Earn rewards on all other purchases, extending benefits beyond Tata brands. |
| Value Back on UPI Spends (RuPay variant) | 0.25% back as NeuCoins on eligible UPI spends, with an additional 0.75% back as NeuCoins on UPI payments via Tata Neu UPI ID (w.e.f. 01-Aug-24). | Earn rewards on daily UPI transactions for d convenience and savings. |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver at all fuel stations across India on transactions between ₹400 and ₹5,000. Maximum waiver of ₹250 per statement cycle. | Direct savings on fuel expenses throughout the year. |
| Complimentary Domestic Airport Lounge Access | 1 complimentary domestic lounge access per calendar quarter. (W.e.f. June 10, 2025, this benefit is milestone-based and delivered via a voucher on a minimum spend of ₹50,000 in the previous quarter). | d travel experience with access to airport lounges. |
| Annual Fee Waiver | Renewal fee waived if ₹1,00,000 or more is spent in a year before the credit card renewal date. | Opportunity to avoid the annual fee through regular card usage. |
| Welcome Benefit | 499 NeuCoins upon card activation (not applicable for Life Time Free/First Year Free cardholders). | An initial boost to reward earnings upon card activation. |
| Contactless Payments | Enabled for contactless payments at retail outlets for transactions up to ₹5,000 without PIN. | Convenient, fast, and secure payment experience for smaller transactions. |
| Interest-Free Period | Up to 50 days interest-free period. | Provides financial flexibility and potential interest savings on purchases. |
| NeuCoins Redemption | NeuCoins can be redeemed for purchases on the Tata Neu Application or Website for Tata partnered brands. | Flexible redemption options across a wide range of Tata brands and services. |
| NeuCoins Validity | NeuCoins are valid for 1 year from the most recent earning or redemption activity. | Ample time to redeem earned rewards. |
| Instant EMI Options | Access to instant EMI conversion options on eligible purchases. | Flexibility to convert large purchases into easy monthly installments. |
| MyCards Service Platform | Mobile-based service platform for all credit card needs, including activation and management. | Convenient and on-the-go management of your credit card. |
The card’s reward structure prioritizes spending within the Tata ecosystem, making IT highly beneficial for frequent shoppers across Tata Neu and its associated brands.
Tata Neu Plus HDFC Card: Eligibility & Documents
To qualify for the Tata Neu Plus HDFC Bank Credit Card in 2026, salaried applicants need a minimum net monthly income of ₹25,000, while self-employed individuals require a minimum annual ITR of ₹6 lakhs. Applicants must be Indian residents, aged between 21 and 60 years for salaried individuals, and 21 to 65 years for self-employed individuals.
| Metric | Salaried Applicant | Self-Employed Applicant |
|---|---|---|
| Nationality | Indian Resident | Indian Resident |
| Minimum Age | 21 years | 21 years |
| Maximum Age | 60 years | 65 years |
| Minimum Monthly Income | ₹25,000 | N/A |
| Minimum Annual ITR | N/A | ₹6 Lakhs |
| Employment Type | Salaried | Self-Employed |
| Existing HDFC Bank Customer | Preferred | Preferred |
| Credit Card Type | Unsecured (unless against FD) | Unsecured (unless against FD) |
| Credit Card Approval | At the sole discretion of HDFC Bank Limited | |
| Documentation & Verification | Subject to Bank’s requirements | |
HDFC Bank’s credit card approvals are subject to thorough documentation and verification processes, ensuring compliance with their internal policies for all applicants.
NeuCoins: Earning & Redemption Explained
The Tata Neu Plus HDFC Credit Card allows users to earn NeuCoins on nearly all spending, with 1 NeuCoin equivalent to ₹1. Cardholders receive accelerated earnings of up to 7% value back on transactions made through the Tata Neu app and partner Tata brands, savings for frequent shoppers.
- Earning Rate on Tata Brands: Cardholders earn 2% in NeuCoins on non-EMI purchases made via Tata Neu and partner Tata brands like BigBasket, Croma, and Westside.
- Accelerated Earnings via NeuPass: An additional 5% NeuCoins are available on select Tata Neu spends when combined with a NeuPass membership, potentially reaching up to 7% value back.
- General Spending: For all other non-Tata brand spending, the card offers 1% back in NeuCoins.
- UPI Transactions: Payments made through UPI apps linked to the RuPay variant of the card also earn 1% in NeuCoins.
- NeuCoin Value: Each NeuCoin holds a value of ₹1, providing a straightforward redemption system across the Tata ecosystem.
- Redemption Options: NeuCoins can be redeemed across Tata Neu and its extensive network of partner brands, including Air India, BigBasket, Croma, and IHCL hotels.
- NeuCoin Validity: Earned NeuCoins remain valid for 12 months from the end of the month they are credited, including any lock-in period.
- Transfer to Tata Neu: NeuCoins are typically transferred to the Tata Neu account within 7 working days following the credit card statement generation.
This structured rewards program ensures that regular spending, especially within the Tata ecosystem, consistently generates value for the cardholder.
Tata Neu Plus Vs. Infinity HDFC Card Comparison
The Tata Neu Plus and Tata Neu Infinity HDFC Bank Credit Cards cater to different spending profiles, with the Infinity variant offering d rewards and premium benefits for a higher annual fee. As of 2026, the Plus card provides up to 7% NeuCoins on Tata Neu spends, while the Infinity card offers up to 10% NeuCoins on similar transactions.
| Feature | Tata Neu Plus | Tata Neu Infinity |
|---|---|---|
| Annual Fee | ₹499 + GST | ₹1,499 + GST |
| Welcome Benefit | 499 NeuCoins (upon first transaction within 30 days) | 1,499 NeuCoins (upon first transaction within 30 days) |
| NeuCoins on Tata Neu & Partner Brands | Up to 7% NeuCoins | Up to 10% NeuCoins |
| NeuCoins on Non-Tata Brand Spends | 1% back as NeuCoins | 1.5% back as NeuCoins |
| NeuCoins on UPI Spends (RuPay variant) | 1% back as NeuCoins | 1.5% back as NeuCoins |
| Fuel Surcharge Waiver | 1% (on transactions ₹400-₹5,000, max ₹250/cycle) | 1% (on transactions ₹400-₹5,000, max ₹500/cycle) |
| Domestic Airport Lounge Access | 4 complimentary per calendar year (1 per quarter on ₹50,000 spend) | 4 complimentary per calendar year |
| International Airport Lounge Access | Not offered | 4 complimentary per year |
| Forex Markup Fee | 3.5% | 2% |
| Annual Fee Waiver | Spend ₹1,00,000 or more in a year | Spend ₹3,00,000 or more in a year |
The Tata Neu Infinity card provides significantly higher NeuCoin earnings and international lounge access, justifying its higher annual fee for frequent travelers and high spenders within the Tata ecosystem.
Fees, Charges & Waiver Criteria 2026
The Tata Neu Plus HDFC Credit Card carries an annual fee of ₹499 plus applicable taxes. This fee can be waived if specific spending criteria are met before the card’s renewal date. Cardholders should review the detailed fee structure to understand all potential charges.
| Charge Type | Amount (₹) | Waiver Condition |
|---|---|---|
| Joining Fee | 499 + taxes | Not applicable (often waived as a limited-period offer) |
| Renewal Fee | 499 + taxes | Spend ₹1,00,000 or more in the preceding year before the renewal date |
| Fuel Surcharge Waiver | 1% | On transactions between ₹400 and ₹5,000. Maximum waiver of ₹250 per statement cycle. |
| Foreign Currency Transaction Fee | 3.5% of transaction value | Not applicable |
| Dynamic Currency Conversion Markup Fee | 1% | Not applicable |
| Balance Transfer Processing Fee | 1% of transferred amount or minimum ₹250 (whichever is higher) | Not applicable |
The renewal fee waiver condition requires an annual spend of ₹1 lakh, making the card effectively free for regular users. Understanding these charges helps manage credit card expenses effectively.
Applying for Tata Neu Plus HDFC Card
Applying for the Tata Neu Plus HDFC Bank Credit Card involves meeting specific income and age criteria, followed by a standard bank verification process. HDFC Bank processes applications based on documentation and internal requirements, ensuring a smooth experience for eligible Indian residents.
- Eligibility Criteria: Applicants must be Indian residents, aged 21 to 60 years for salaried individuals, or 21 to 65 years for self-employed individuals.
- Income Requirements: Salaried applicants need a minimum net monthly income of ₹25,000. Self-employed individuals must show a minimum annual ITR of ₹6 lakhs.
- Application Process: Credit card approvals are at HDFC Bank’s sole discretion, subject to documentation and verification.
- Online Application: You can apply for the Tata Neu Plus HDFC Bank Credit Card directly through the HDFC Bank or Tata Neu official websites.
- Required Documents: Standard KYC documents like identity proof (Aadhaar, PAN), address proof, and income proof (salary slips, ITR) are typically required.
- Limited-Period Offer: A lifetime free offer for the joining fee was available for applications made between October 1, 2024, and December 31, 2024.
Ensure all eligibility criteria are met and necessary documents are ready to help a quick application process with HDFC Bank.
Key Takeaways
- The Tata Neu Plus HDFC Credit Card requires a minimum net monthly income of ₹25,000 for salaried individuals or an annual ITR of ₹6 lakhs for self-employed individuals.
- Applicants must be Indian residents, aged 21-60 (salaried) or 21-65 (self-employed), to be eligible for the card.
- HDFC Bank’s approval process involves documentation and verification, with a limited-period offer for a waived joining fee until December 31, 2024.
Check your eligibility and apply for the Tata Neu Plus HDFC Bank Credit Card on the official HDFC Bank website.
Frequently Asked Questions (FAQs)
What are the main benefits of the Tata Neu Plus HDFC Credit Card in 2026?
The Tata Neu Plus HDFC Credit Card offers up to 7% value back as NeuCoins on eligible spends across Tata Neu and its partner brands like BigBasket and Westside. Cardholders also receive a 1% fuel surcharge waiver, capped at ₹250 per statement cycle, on transactions between ₹400 and ₹5,000. , spending ₹1 lakh or more in a year waives the annual renewal fee.
What is the annual fee for the Tata Neu Plus HDFC Credit Card?
The Tata Neu Plus HDFC Credit Card has an annual fee of ₹499. This fee can be waived if you spend ₹1 lakh or more with the card in the preceding year, before your credit card renewal date. This makes IT a cost-effective option for regular Tata Neu shoppers.
What is the eligibility criteria for the Tata Neu Plus HDFC Credit Card?
Salaried individuals need a minimum monthly income of ₹25,000 to be eligible for the Tata Neu Plus HDFC Credit Card. Self-employed applicants require a minimum annual income of ₹6 lakh. Applicants must also meet HDFC Bank’s age and credit score requirements, typically a CIBIL score of 750 or higher for best approvals.
How do NeuCoins work with the Tata Neu Plus HDFC Credit Card?
NeuCoins are the reward currency for the Tata Neu Plus HDFC Credit Card, offering up to 7% value back on specific Tata Neu and partner brand purchases. These NeuCoins can be redeemed directly across the Tata Neu app and its ecosystem, including brands like Air India, Croma, and IHCL hotels. Certain spends, such as bill payments via Tata Pay and transactions at Tanishq, are not eligible for the additional 5% NeuCoins via NeuPass membership as of January 15, 2025.
Can I get a Tata Neu Plus HDFC Credit Card if I am new to credit?
Yes, the Tata Neu Plus HDFC Credit Card is also available as a secured credit card against a Fixed Deposit (FD) for individuals new to credit. This variant requires a minimum FD of ₹15,000 with HDFC Bank, providing an accessible way to build a credit history. IT offers similar benefits on Tata Neu spends.
What are the fuel benefits on the Tata Neu Plus HDFC Credit Card?
The Tata Neu Plus HDFC Credit Card provides a 1% fuel surcharge waiver at all fuel stations across India. This waiver applies to transactions between ₹400 and ₹5,000, with a maximum waiver of ₹250 per statement cycle. This benefit can lead to annual savings of up to ₹3,000 on fuel expenses.
How can I track my NeuCoin earnings and spend for the Tata Neu Plus HDFC Credit Card?
You can track your NeuCoin earnings and spend qualification status by logging into HDFC Bank Netbanking or the Mobilebanking app. From June 10, 2025, to the Credit Card section, select your Tata Neu HDFC Bank Credit Card, and click on ‘Redeem Reward Points’ to access the Rewards Portal and view ‘Spend Promo Details’.
Disclaimer: This article is general information, not financial advice. Interest rates, fees, and eligibility change frequently. Verify current details with the lender or regulator (RBI / SEBI / IRDAI) before deciding.