Tata Neu Plus HDFC Bank Credit Card

Name: Tata Neu Plus HDFC Bank Credit Card
Brand: HDFC Bank

HDFC Bank • The everyday Tata card that turns routine shopping into NeuCoins.

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Tata Neu Plus pays 2% back as NeuCoins across Tata Neu and partner Tata brands and 1% on other spends, with an extra bonus on selected Tata Neu app categories. The RuPay variant also earns up to 1% back on UPI spends routed through a Tata Neu UPI ID, capped at 500 NeuCoins a month. Quarterly spends of ₹50,000 unlock one domestic lounge voucher, up to four a year.

Annual Fee (+ 18% GST)₹499 (₹589 incl. GST)

Fee Waiver₹1,00,000 annual spend

Joining Perk499 NeuCoins as a welcome benefit

Primary Reward2% back as NeuCoins on Tata Neu and partner Tata brands, 1% on other spends, plus up to 1% back on UPI spends

Airport Lounge Access4 Domestic Lounge visits per year, given as one complimentary lounge voucher per calendar quarter on spending ₹50,000 or more in that quarter

Forex Markup3.5% + 18% GST

RuPay UPIYes — RuPay UPI enabled

Best ForTata ecosystem shoppers who buy from BigBasket, Croma, Westside and Tata Neu

What We Like

2% NeuCoins on Tata brands and up to 1% back on RuPay UPI spends
Up to 4 domestic lounge vouchers a year on quarterly spends of ₹50,000
Low ₹499 fee, waived on ₹1,00,000 annual spend

Watch Out

Best returns are locked inside the Tata ecosystem
UPI bonus needs a Tata Neu UPI ID and is capped at 500 NeuCoins a month
Forex markup of 3.5% makes it weak for foreign spends

MITC & Hidden Charges

18% GST applies to annual fee (Total ₹589). Foreign currency transaction fee is 3.5% plus GST, and dynamic currency conversion markup is 1%. Other charges as per the issuer's MITC.

Tata Neu Plus HDFC Bank Credit Card FAQs

How do I get lounge access on Tata Neu Plus?

Spend ₹50,000 or more in a calendar quarter to get one complimentary domestic lounge voucher, up to four vouchers a year, as per the official product page.

Does Tata Neu Plus work for UPI payments?

Yes, the RuPay variant can be used for UPI credit payments and earns up to 1% back as NeuCoins, capped at 500 NeuCoins per month.