Tata Neu Plus Credit Card
The Tata Neu Plus HDFC Bank Credit Card rewards shoppers within the Tata ecosystem with NeuCoins redeemable across all Tata brands.
RuPay UPI Scan & Pay Fit Score
96/100
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.
Reward Power
34/35
Fee Value & ROI
24/25
Lounge & Perks
11/20
Forex & Access
12/20
Category Strengths Breakdown
Ranked by strongest spend categoryScoring 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
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 statutory charges are detailed in the official Most Important Terms and Conditions (MITC).
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
Fee Waiver Spend Simulator
Simulate your spend to check waiver eligibility
Spend ₹0/mo more (or ₹4 more per year) to waive the renewal fee.
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
Tata Neu Plus Credit Card Eligibility
Employment type
Pros & Cons
- 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
- 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.
Quick Links
Data last updated 1 Sept 2026
Calculate your exact earnings with Tata Neu Plus Credit Card
Enter your monthly spending in groceries, dining, fuel, travel, and shopping to calculate your estimated net return after fees, reward caps and exclusions.
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