Tata Neu Plus Credit Card
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HDFC Bank

Tata Neu Plus Credit Card

Visa
Co-branded

Your rating

Community rating

Best for Tata brand rewards

Joining Fee

₹499

Annual Fee

₹499

Reward Rate

1.5% – 5%

Forex Markup

3.5%

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Key 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

Rewards

How you earn back on every swipe

points

Reward type

1.5% – 5%

Earn rate

₹1

Per point

12 months

Point expiry

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 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)

Travel & 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

Tips & reviews

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

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Eligibility

Age21+ yrs – 65
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.

Quick Links

View on bank website

Data last updated 18 Mar 2026

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