HDFC

HDFC Tata Neu Plus Credit Card

Apply for HDFC Tata Neu Plus Credit Card and earn 2% NeuCoins on Tata Brands, additional 5% on Tata Neu App & 1 lounge access per quarter on ₹50K spend.

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Issued by

HDFC

HDFC Tata Neu Plus Credit Card image
Joining Fee₹499
Annual Fee₹499
Income₹25000
Credit Score725

Key Highlights

Shopping

Earn 2% back as NeuCoins on Tata Neu and partner Tata Brand

spends on non-EMI transactions, plus additional 5% on selected categories on Tata Neu App/Website

Shopping

Earn 1% back as NeuCoins on non-Tata Brand

spends and on any merchant EMI spends

Shopping

Earn up to 1% back as NeuCoins on eligible UPI spends

0.25% posted to card account + additional 0.75% via Tata Neu UPI ID, capped at 500 NeuCoins per month

Travel

Get 1 Complimentary Domestic Lounge Voucher

per quarter on spending ₹50,000 or more in a calendar quarter, up to 4 per calendar year

Shopping

Avail NeuCoins for purchases on Tata Neu Brands

including Air India Express, Bigbasket, Croma, Westside, Tata CLiQ, IHCL Hotels, Tata 1MG, and Qmin

Earn 2% back as NeuCoins on Tata Neu and partner Tata Brand

spends plus additional 5% on selected categories on Tata Neu App/Website

Earn 1% back as NeuCoins on non-Tata Brand

spends and on any merchant EMI spends

Eligibility

Age Criteria21-60

Applicants must be between 21 and 60 years of age at the time of application.

Credit Score725

A minimum credit score of 725+ is recommended for approval.

Salaried Income₹3 LPA

A minimum annual income of ₹3 LPA is required to apply for this card, as per bank eligibility criteria.

Self-employed Income₹6 LPA

A minimum annual income of ₹6 LPA is required to apply for this card, as per bank eligibility criteria.

Employment TypeSelf Employed, Salaried
New to CreditEligible

Fees & Waivers

Joining Fee₹499

A one-time joining fee of ₹499 is charged at the time of card issuance as per the bank's policy.

Joining Fee Offset499 NeuCoins on Tata Neu App on first transaction within 30 days of card issuance.
Annual Fee₹499

The annual fee is charged every year and may be waived if you meet the bank's spending conditions.

Annual Fee WaiverThe annual fee is waived if you spend ₹100000 or more in a year on your card, as per bank policy.
Estimated Annual Saving₹6360

Rewards & Redemption

Reward Conversion1 Reward Point = ₹1
Redemption Options
  • Tata Neu App: Air India Express, BigBasket, Croma, IHCL Hotels, Tata Cliq, and Tata 1mg
  • In-Store (Offline): Croma, IHCL, and Westside
  • Titan/Tanishq: via Tata Neu App
Earning ExclusionsCash Advances, ATM Cash Withdrawals, Quasi-Cash Transactions, Wallet Loads, Gift Cards and Vouchers, EMI Spends, Bank Charges & Fees, Late Payment Fees, Processing Fees, Financial Charges, Interest Charges, Payment Returned Charges, Service/Interest Charges, Transaction Charges, Fuel Spends, Gambling Transactions, Lottery, Online Skill-Based Gaming, Government-related Transactions, Rent Payment, Load Money, Outstanding Payments, Voucher Purchases
Spend ExclusionsCash Advances, ATM Cash Withdrawals, Quasi-Cash Transactions, Wallet Loads, Gift Cards and Vouchers, EMI Spends, Bank Charges & Fees, Late Payment Fees, Processing Fees, Financial Charges, Interest Charges, Payment Returned Charges, Service/Interest Charges, Transaction Charges, Fuel Spends, Gambling Transactions, Lottery, Online Skill-Based Gaming, Government-related Transactions, Rent Payment, Load Money, Outstanding Payments, Voucher Purchases

Benefits

All Benefits

  • Earn 2% NeuCoins on Tata Neu and partner Tata Brands + additional 5% on selected categories
  • 1% NeuCoins on all non-Tata spends including EMI transactions
  • 1 complimentary domestic lounge voucher per quarter on spending ₹50,000

Welcome Benefits

  • 499 NeuCoins on Tata Neu App upon making your first transaction within 30 days of card issuance (as reversal of 1st year membership fee)
  • Option to claim welcome benefit will be available inside Tata Neu App for 180 days from statement date of the eligible transaction
  • NeuCoins validity is 365 days from the claim date
  • Not applicable on Lifetime Free cards

Airport Lounge Benefits

  • 1 complimentary domestic lounge voucher per calendar quarter on spending ₹50,000 or more in a calendar quarter
  • Up to 4 complimentary domestic lounge vouchers per calendar year
  • Effective 10th June 2025, lounge access is milestone-based and availed via lounge voucher (not direct swipe)
  • Upon qualifying, you will receive SMS and email notification about the qualification

Surcharge Waiver Benefits

  • 1% fuel surcharge waiver at all fuel stations across India
  • Applicable on minimum transaction of ₹400 and maximum transaction of ₹5,000
  • Maximum waiver of ₹250 per statement cycle

Bank Offers

  • Earn 2% back as NeuCoins on non-EMI spends on Tata Neu and partner Tata Brands
  • Earn additional 5% back as NeuCoins on selected categories on Tata Neu App/Website (via NeuPass registration)
  • Earn 1% back as NeuCoins on non-Tata Brand spends and any merchant EMI spends
  • Earn up to 1% back as NeuCoins on eligible UPI spends 0.25% posted to card account + additional 0.75% via Tata Neu UPI ID, capped at 500 NeuCoins per calendar month
  • NeuCoins redeemable on Tata Neu brands: Air India Express, Bigbasket, Croma, Westside, Tata CLiQ, Tata CLiQ Luxury, IHCL Hotels, Tata 1MG, and Qmin

Documents

PAN Card
Aadhaar Card or valid address proof
Latest salary slips or income proof
Recent bank statements

Terms

...rewards
Welcome benefit is applicable only on spends within 30 days of card issuance

FAQ

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