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Basic Information

Welcome Benefits Welcome Benefits: Tata Neu Plus HDFC Bank Credit Card

Card Details Card Name: Tata Neu Plus HDFC Bank Credit Card
Bank Name: HDFC Bank
Card Type: Co-branded Credit Card
Network: RuPay

Card Category Mid Premium

Payment Network RuPay

Rewards Program

Reward Points Reward Rate:
2% NeuCoins on eligible non-EMI retail spends at partner Tata brands
1% NeuCoins on eligible non-EMI retail spends at non-Tata brands
1% NeuCoins on merchant EMI spends
UPI: 0.25% on eligible UPI transactions + additional 0.75% with Tata Neu UPI ID
Reward Value: NeuCoins

Redemption Reward Redemption Options: Tata Neu ecosystem / eligible Tata Neu redemption options

Milestone Rewards Milestone Benefit: 1 Domestic Airport Lounge voucher
Spend Condition: ₹50,000 or more in a calendar quarter

Travel Benefits

Airport Lounge Domestic Airport Lounge: 1 voucher per qualifying calendar quarter
Lounge Spend Condition: ₹50,000+ spends in calendar quarter

Shopping Benefits

Online Shopping Online Shopping Benefit: 1% NeuCoins on eligible non-Tata brand retail spends

EMI Offers Merchant EMI: 1% NeuCoins on merchant EMI spends

Daily Spending Benefits

Education Education Fee Rewards: Eligible direct school/college payments can earn NeuCoins

Digital Features

Payments UPI on Credit Card: Yes — RuPay Credit Card

Mobile Wallet Google Pay: Supported for eligible UPI transactions

Fees & Charges

Joining Charges Joining Fee: ₹499 + applicable taxes

Annual Charges Annual Fee: ₹499 + applicable taxes
Annual Fee Waiver: ₹1,00,000 annual spends

EMI Charges EMI Facility: Available

Performance & Ratings

Best Usage Best For: Tata brand shopping, everyday spending, UPI, Tata Neu ecosystem

Advantages Pros: 2% NeuCoins on eligible Tata brand spends; 1% on eligible non-Tata spends; UPI rewards; quarterly lounge voucher on ₹50,000 spend

Limitations Cons: Lounge benefit is spend-based; several transaction categories do not earn NeuCoins

Instant Check Eligibility | Tata Neu Plus Credit Card

Instant Check Eligibility

Frequently Asked Questions About Tata Neu Plus Credit Card

What are the benefits of the HDFC Bank Tata Neu Plus Credit Card?

The HDFC Bank Tata Neu Plus Credit Card offers attractive NeuCoins rewards on everyday purchases and Tata brand shopping. Cardholders can earn 2% NeuCoins on eligible non-EMI purchases at partner Tata brands, 1% on other eligible non-Tata spends, and up to 7% on selected Tata Neu App and website categories after registering for NeuPass. Additional benefits include eligible UPI rewards, domestic airport lounge vouchers based on spending milestones, and a fuel surcharge waiver.

How can I apply for the Tata Neu Plus HDFC Bank Credit Card online?

You can apply for the Tata Neu Plus HDFC Bank Credit Card online through the official HDFC Bank website or an authorised application channel. Visit the credit card application page, enter your mobile number and PAN details, complete the required personal and income information, select Tata Neu Plus Credit Card if available, and submit your application for bank verification. Approval is subject to HDFC Bank's eligibility criteria and verification process.

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

To apply for the HDFC Tata Neu Plus Credit Card, applicants must be Indian citizens and meet the bank's age and income requirements. Salaried applicants generally need to be between 21 and 60 years old with a gross monthly income above ₹25,000. Self-employed applicants must generally be between 21 and 65 years old with an annual ITR above ₹6 lakh. Final eligibility and approval depend on HDFC Bank's internal policies.

What is the joining fee and annual renewal fee of the Tata Neu Plus Credit Card?

The Tata Neu Plus HDFC Bank Credit Card generally carries a joining fee of ₹499 plus applicable taxes and an annual renewal fee of ₹499 plus applicable taxes. However, the renewal fee can be waived if you spend ₹1 lakh or more during the previous card anniversary year. Fee waivers and special offers may vary depending on the card application offer.

How much cashback or NeuCoins can I earn with the Tata Neu Plus Credit Card?

The Tata Neu Plus Credit Card provides rewards in the form of NeuCoins instead of conventional cashback. Cardholders can earn 2% NeuCoins on eligible non-EMI purchases at partner Tata brands, 1% on other eligible non-Tata purchases, and an additional 5% on selected categories through Tata Neu after registering for NeuPass. This can provide up to 7% NeuCoins on eligible Tata Neu purchases. One NeuCoin is generally equivalent to ₹1 when redeemed on eligible Tata Neu purchases.

Does the Tata Neu Plus HDFC Bank Credit Card offer UPI rewards?

Yes, the Tata Neu Plus HDFC Bank Credit Card offers NeuCoins on eligible UPI transactions when used with a compatible RuPay credit card. Eligible UPI transactions can earn 0.25% NeuCoins, with an additional 0.75% on eligible payments made using a Tata Neu UPI ID. The total UPI NeuCoins earning is capped at 500 per calendar month. Applicable transaction exclusions and terms and conditions apply.

Is domestic airport lounge access available on the Tata Neu Plus Credit Card?

Yes, the Tata Neu Plus HDFC Bank Credit Card offers one complimentary domestic airport lounge access voucher per calendar quarter, subject to eligible spending of ₹50,000 or more during that quarter. Cardholders can qualify for up to four domestic lounge vouchers in a calendar year. The voucher must be claimed within the prescribed period after receiving the eligibility notification, and usage is subject to the participating lounge list and applicable terms.

Can I get the Tata Neu Plus HDFC Bank Credit Card without an HDFC Bank savings account?

Having an existing HDFC Bank savings account is not necessarily mandatory to apply for the Tata Neu Plus Credit Card. Eligible applicants can apply through the bank's available application channels by providing the required identity, address and income details. However, HDFC Bank may request additional documents or verification before approving the application.

What documents are required to apply for the Tata Neu Plus HDFC Bank Credit Card?

The documents generally required for a Tata Neu Plus HDFC Bank Credit Card application include PAN card, Aadhaar card or other valid identity proof, address proof, recent salary slips or Form 16 for salaried applicants, and ITR or bank statements for self-employed applicants. The exact document requirements depend on the applicant's profile and HDFC Bank's verification process.

How can I redeem NeuCoins earned on the Tata Neu Plus Credit Card?

NeuCoins earned through the Tata Neu Plus HDFC Bank Credit Card can be redeemed on eligible purchases through the Tata Neu App and participating Tata brands. These may include BigBasket, Croma, Tata CLiQ, Westside, Tata 1mg, IHCL hotels and other eligible Tata services. Generally, 1 NeuCoin is equivalent to ₹1 for eligible redemptions. Redemption availability, exclusions and validity conditions apply.

Is the Tata Neu Plus HDFC Bank Credit Card worth applying for in 2026?

The Tata Neu Plus HDFC Bank Credit Card can be a useful option for customers who regularly shop with Tata brands, use the Tata Neu App, and want to earn NeuCoins on eligible purchases. Its rewards structure, UPI benefits on eligible RuPay transactions, fuel surcharge waiver and milestone-based domestic lounge vouchers can provide additional value. Before applying, compare the annual fee, spending habits, reward exclusions and eligibility requirements to determine whether this card suits your financial needs.