What is the annual fee for Tata Neu Plus Credit Card?

The annual fee for Tata Neu Plus Credit Card is ₹499. The fee is waived on annual spend above ₹1,00,000.

What is the joining fee for Tata Neu Plus Credit Card?

The one-time joining fee for Tata Neu Plus Credit Card is ₹499.

What are the rewards and benefits of Tata Neu Plus Credit Card?

Tata Neu Plus Credit Card earns points rewards. Reward rate ranges from 1.5% to 5%.

What lounge access benefits does Tata Neu Plus Credit Card provide?

Tata Neu Plus Credit Card provides 0 domestic lounge visits per quarter and 0 international lounge visits per year.

What is the eligibility criteria for Tata Neu Plus Credit Card?

To be eligible for Tata Neu Plus Credit Card, you need a minimum monthly income of ₹25,000.

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HDFC Bank

Tata Neu Plus Credit Card

Name: Tata Neu Plus Credit Card
Brand: HDFC Bank
Price: 499 INR
Availability: InStock

The Tata Neu Plus HDFC Bank Credit Card rewards shoppers within the Tata ecosystem with NeuCoins redeemable across all Tata brands.

Co-branded

CardCheck ScoreExcellent

Top Category Performance

RuPay UPI Scan & Pay (96/100)

Best for: Tata brand rewards

Joining Fee

₹499

Annual Fee

₹499

Reward Rate (%)

1.5 – 5

Forex Markup

3.5%

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CardCheck Rating & Score

Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.

ExcellentScore / 100

Reward Power

34/35

Fee Value & ROI

24/25

Lounge & Perks

11/20

Forex & Access

12/20

Category Strengths Breakdown

Ranked by strongest spend category

RuPay UPI Payments

96/100

Zero Fee & Starter

85/100

Online Shopping

84/100

Cashback Spends

75/100

Scoring Methodology: Evaluated deterministically using verified bank MITC filings, fee waiver spend ratios, reward percentage caps, and lounge agreements. No card receives sponsored score inflation. Learn how we score →

Tata Neu Plus Credit Card Benefits

Up to 7% value back as NeuCoins on Tata Neu spends with Tata Neu Infinity + app usage

2% NeuCoins on Tata partner brands including BigBasket, Croma, Tata 1mg, Air India & Westside

1% NeuCoins on other eligible spends

1.5% NeuCoins on UPI transactions via RuPay variant

Complimentary domestic lounge access on eligible quarterly spends

₹499 Tata Neu welcome benefit on card activation

Annual fee waiver on ₹1 lakh annual spends

Tata Neu Plus Credit Card Rewards

How you earn back on every swipe

points

Reward type

1.5% – 5%

Earn rate

₹1

Per point

12 months

Point expiry

Tata Neu Plus Credit Card Fees & Charges

Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other charges are set by the bank and spelled out in their Most Important Terms and Conditions (MITC). Use the official product page for those details.

Joining fee₹499

Annual fee₹499

Fee waiver on annual spend₹1,00,000

Interest-free period50 days

Interest rate (APR)42% – 44.98%

Late payment fee (max)₹1,300

Cash advance fee2.5% (min ₹-2)

Forex markup3.5%

Fuel surcharge waiverYes (₹400–₹5000)

Tata Neu Plus Credit Card Lounge Access

Airport perks included with this card

0 per quarter

Domestic lounge visits

0 per year

International lounge visits

Things to Keep in Mind

No NeuCoins on Fuel, Wallet, Rental, Government and Online Gaming transactions
NeuCoins earned on Grocery transactions capped to 1,000 per month
NeuCoins earned on Utility transactions capped at 2,000 per month
NeuCoins earned on Telecom & Cable transactions capped at 2,000 per month
Education payments through third-party apps do not earn NeuCoins
No NeuCoins on bills, wallet loads, utilities, and telecom

Card Features

Metal Card

Contactless

UPI Linked

Fee Waiver Spend Simulator

Simulate your spend to check waiver eligibility

Waiver Target: ₹1,00,000/yr

Your Estimated Monthly Spend:₹8,333/mo

Presets:

100% to Annual Fee Waiver₹99,996 / ₹1,00,000

Spend ₹0/mo more (or ₹4 more per year) to waive the renewal fee.

Gross Rewards+₹5,000

Effective Fee₹499

Net Profit/Yr+₹4,501

Tips & reviews

Community comments — not financial advice. Bank terms still apply.

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Tata Neu Plus Credit Card Eligibility

Age21+ yrs – 65

Min. income₹25,000/month

CIBIL score700+

Employment type

SalariedSelf employed

Pros & Cons

Pros

Good rewards for Tata ecosystem users
Useful across BigBasket, Croma, Air India, and Tata 1mg
RuPay variant supports rewarding UPI spends
NeuCoins are easy to use within Tata brands
Lounge access is decent for an entry-level card
Annual fee waiver threshold is achievable
Strong beginner-friendly co-branded card

Cons

Best value depends heavily on Tata Neu ecosystem usage
NeuCoins redemption is locked to Tata partner brands
Base reward rate outside Tata spends is average
Lounge access requires spend-based eligibility
Forex markup is high for international spending
Reward exclusions apply on fuel, rent, wallet loads, and EMI transactions
Lower reward rates compared to Tata Neu Infinity Card

Who is this card for?

Frequent Tata ecosystem users — those who shop on BigBasket, book hotels via IHCL, fly AirAsia, or shop at Croma — and want to consolidate rewards into one Tata platform.