Tata Neu Plus HDFC Credit Card 2026: 2% NeuCoins on Tata Brands, 1% on All Spends & Lounge Access (₹0 First-Year Fee)
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Tata Neu Plus HDFC Credit Card 2026: 2% NeuCoins on Tata brands, 1% on other spends, domestic lounge access & ₹0 first-year fee. Check details & apply now.
Key Highlights at a Glance
| Feature | Details |
|---|---|
| First-Year Fee | |
| Renewal Fee | ₹499 + GST |
| Renewal Fee Waiver | Spend ₹1,00,000 or more in the preceding year |
| Tata Neu | 2% NeuCoins |
| Partner Tata Brands (online and in-store) | 2% NeuCoins |
| Air India | 2% NeuCoins |
| Extra NeuPass Reward | Additional 5% on eligible Tata Neu spends [confirm categories and cap] |
| All Other Spends | 1% NeuCoins |
| RuPay UPI (Tata Neu UPI ID) | 1% NeuCoins |
| RuPay UPI (other UPI IDs) | 0.25% NeuCoins |
| UPI Reward Cap | 700 NeuCoins per calendar month |
| Base Grocery Reward Cap | 1,000 NeuCoins per month |
| Domestic Lounge | 1 per quarter |
| Fuel Surcharge Waiver | Capped at ₹250/month (transactions ₹400–₹5,000) |
| NeuCoin Value / Validity | 1 NeuCoin = ₹1; valid 365 days from credit |
| Networks | Visa and RuPay |
₹0 Fee for First Year
Tata Neu NeuCard Plus: 2% NeuCoins on Tata Brands
🎁 Perks: 2% on Tata Neu & partner brands • 1% on all other spends • 1 domestic lounge visit per quarter • Fuel surcharge waiver (up to ₹250/month)
Apply on Tata Neu: Select NeuCard Plus →Rewards & Benefits Fact Sheet
💳 Fees
- Joining fee: ₹0 for a limited time (regular ₹499 + GST).
- Renewal fee: ₹499 + GST, waived if you spend ₹1 lakh or more in the preceding year.
- Welcome NeuCoins: 499 NeuCoins are given as a reversal of the first-year fee, so they apply only on priced cards. They do not apply while the joining fee is ₹0.
🎯 NeuCoins Reward Rates (1 NeuCoin = ₹1, so each % below is also the real % value)
- Tata Neu: 2%
- Partner Tata brands, online and in-store: 2%. Brands include Croma, bigbasket, Westside, Tata 1mg, AirAsia, Tata CLiQ, IHCL hotels, Qmin, Tata Play, Tata Pay, Cult, the Titan group and Tanishq group.
- Air India: 2% on transactions from 1 Oct 2023 (website, app and POS). This comes on top of any Flying Returns benefits.
- Other spends: 1%
- How the 2% is built: 1% base + 1% additional on partner-brand transactions.
- Extra NeuPass reward: an additional 5% on eligible Tata Neu spends for NeuPass members. [confirm categories and cap]
- EMI at partner merchants:
- RuPay UPI only: 1% on the Tata Neu UPI ID (including spends at partner Tata brands) and 0.25% on other UPI IDs.
🧮 Real Spend Examples
- ₹5,000 at a partner brand: 100 NeuCoins = ₹100
- ₹20,000 on other spends: 200 NeuCoins = ₹200
- ₹10,000 via the Tata Neu UPI ID (RuPay): 100 NeuCoins = ₹100
- ₹1,00,000 of non-partner grocery spend: 1,000 base NeuCoins = ₹1,000
🚫 Zero-Reward / Excluded Categories
- No NeuCoins on fuel, government, rental, post-transaction EMI conversion and wallet load transactions.
- Bill payment (Tata Pay), Air India and Tata Play are not eligible for the additional 5% via NeuPass.
⚠️ Fine Print
- Grocery cap: base rewards on grocery spends are capped at 1,000 NeuCoins per month. At 1%, you reach the cap at ₹1,00,000 of grocery spend. Accelerated rewards on eligible transactions are unlimited, subject to HDFC’s Fair Usage Policy.
- UPI cap: a maximum of 700 NeuCoins (₹700) per calendar month on UPI spends. At 1%, that is ₹70,000 via the Tata Neu UPI ID. At 0.25%, it is ₹2,80,000 via other UPI IDs.
- Crediting: NeuCoins reach your Tata Neu account within 7 working days after your statement is generated. Partner-brand bonus coins are calculated on the calendar month’s transactions, not the statement cycle.
- Expiry: 365 days from the date NeuCoins are credited to your Tata Neu account.
- Redemption:
- Via Tata Pay: Tata Neu, AirAsia India, bigbasket, Croma, IHCL hotels
- Via the “NeuCoins / Loyalty Redemption” option: Tata CLiQ, Tata 1mg, Titan and Tanishq (via Tata Neu)
- In stores: Croma and IHCL, with an OTP sent to your registered mobile
- Not available on: Air India, Tata Play, and bill payment on Tata Neu
🛋️ Lounge Access
- Domestic: 1 per quarter. you must spend ₹50,000+ in a calendar quarter to unlock the benefit.
- The FAQ lists no international lounge access for this card.
⛽ Fuel Surcharge Waiver
- 1%. Capped at ₹250 per month at fuel stations across India, on transactions between ₹400 and ₹5,000.
🌍 Forex Markup
🏦 Variant Note (Visa vs RuPay)
- UPI rewards apply only to the RuPay variant. Choose RuPay if you want them.
Eligibility Criteria
- Applicant must be a salaried professional, self-employed professional or self-employed business person.
- Salaried: age 21–60 years, gross monthly income above ₹25,000.
- Self-employed: age 21–65 years, last year’s ITR above ₹6 lakh per annum.
- Existing HDFC Bank credit card holders can apply. Their existing card’s credit limit is shared with this card.
- Indian nationals only.
- Approval is at HDFC Bank’s sole discretion, subject to documentation and verification.
Required Documents
- PAN card.
- Identity and address proof (Aadhaar or equivalent).
- Salaried: income proof such as recent salary slips or bank statements
- Self-employed: last year’s ITR, plus business or professional proof if requested.
- Recent passport-size photograph, if requested.
How to Apply
- Tap the Apply button above to open the Tata Neu HDFC Bank Credit Card page.
- Select NeuCard Plus (not Infinity) and choose Visa or RuPay.
- Enter your details and complete KYC.
- Wait for HDFC Bank’s decision.
- Download the Tata Neu app and register for NeuPass to unlock the extra 5% on eligible categories.
