Tata Neu Plus HDFC Bank Credit Card Review: 2% NeuCoins for ₹499

The Tata Neu Plus HDFC Bank Credit Card costs ₹499 plus GST, returns that fee as 499 NeuCoins in the first year, and waives it from the second year on ₹1 lakh of spends. It earns 2% as NeuCoins on partner Tata brands and 1% on most other spends, with 1 NeuCoin worth ₹1 on Tata Neu, and from 25 November 2026 you must claim your NeuCoins in the Tata Neu App.

By Abhishek Kumar · Content Writer Updated 5 November 2026 Reviewed by BankCreds Financial Experts

Key facts

Joining fee: ₹499 + GST
Annual fee: ₹499 + GST. Spend ₹1,00,000 or more in a year before the renewal date to waive the renewal fee
Base reward: 1% back as NeuCoins on non-EMI spends on non-Tata brands and on merchant EMI... (about 1% value)
Best category: Selected categories on the Tata Neu app or website: about 5% value
Lounge: Domestic: 1 complimentary domestic lounge voucher per calendar quarter (up to 4 a year) International: None stated
Forex markup: 3.5% of the amount
Network: Visa, RuPay

Apply on HDFC Bank's site

Opens the bank's own page for this card. Approval and the credit limit are the bank's decision.

In short

A low-cost way into Tata NeuCoins for salaried people earning above ₹25,000 a month, worth it if you buy from Tata brands and will claim your coins, but a plain 1% card otherwise.

Best for

BigBasket, Croma, Tata CLiQ and Tata 1mg shoppers on a modest income
RuPay UPI users who will pay with the Tata Neu UPI ID
People spending ₹50,000 a quarter who want a domestic lounge voucher

Skip it if

You rarely shop at Tata brands
You will not open the Tata Neu App to claim NeuCoins
You want rewards you can spend anywhere

Highlights

₹499 plus GST, returned as 499 NeuCoins in year one
2% NeuCoins on Tata brands, 1% on other spends
Up to 1% on RuPay UPI, capped at 500 NeuCoins a month
1 domestic lounge voucher per quarter on ₹50,000 of spends
NeuCoins must be claimed in the app from 25 November 2026

Tata Neu Plus: the entry Tata Neu card from HDFC

HDFC Bank issue two Tata Neu cards. Infinity is the bigger one; Plus, reviewed here, is the starter, with a lower fee and a much lower income bar. It pays 2% back as NeuCoins on partner Tata brands and 1% on most other spends. You can have it on Visa or RuPay, and only RuPay links to UPI. The card is active and open for applications.

NeuCoins are Tata Digital's reward currency. One NeuCoin is ₹1 on the Tata Neu app and at eligible Tata brands, and HDFC charges nothing to redeem them. The flip side is they work only inside the Tata world, so the card is mainly for people who already shops there.

The 25 November 2026 change

So far NeuCoins have landed in your Tata Neu account on their own. From 25 November 2026 they won't. You will have to claim them in the Tata Neu App within 12 months of the statement they was earned in, and once claimed they stay valid for 12 more months. Miss the window and the coins are gone.

Earlier changes

1 August 2024: UPI split into 0.25% from the bank plus 0.75% via the Tata Neu UPI ID, capped at 500 a month.
1 September 2024: utility and telecom capped at 2,000 NeuCoins a month each; none on education through apps.
15 January 2025: extra NeuPass 5% only for purchase done from the primary cardholder's account.
10 June 2025: lounge access become a voucher for each quarter with ₹50,000 of spends.
1 July 2025: none on online gaming; insurance capped at 2,000 a month.
17 November 2025: none on the monthly principal billed for SmartEMI and off-us merchant EMI.

What Tata Neu Plus costs after GST and the welcome coins

The joining fee and annual fee are ₹499 each, plus GST. At 18% the tax is ₹89.82 (18% of ₹499), so the bill shows ₹588.82. In the first year Tata Digital gives back 499 NeuCoins as a reversal of the fee, if you make a first transaction within 30 days of the card being issued, and the coins comes inside the Tata Neu App. GST is not returned, so year one really costs ₹89.82, provided you use the NeuCoins.

From year two the renewal fee goes if you spend ₹1 lakh in the year before the renewal date. That's ₹8,334 a month (₹1,00,000 divided by 12, rounded up), which a family running groceries and bills on the card should reach easy. Below it you pay ₹588.82 a year. Add-on cards are free.

Interest and late payment

A carried balance costs 3.75% a month, 45% a year, plus GST. Leave ₹25,000 unpaid for 20 days and about ₹616 of interest is added (₹25,000 times 45% times 20, divided by 365, is ₹616.44), more than three months of NeuCoins for our light spender below (170 a month). Late fees go in slabs since 1 August 2024, such as ₹100 on a ₹101 to ₹500 bill, ₹750 on ₹5,001 to ₹10,000 and ₹1,300 above ₹50,000, plus GST, after 3 grace days.

Fees on particular payments

Foreign currency: 3.5% markup plus GST. Rupee payments to overseas merchants: 1.75% since 15 May 2026.
Rent: 1% a transaction up to ₹4,999, and no NeuCoins on it.
Fuel: 1% surcharge refunded on fills of ₹400 to ₹5,000, up to ₹250 a statement cycle; one fuel bill over ₹15,000 is charged 1%.
Wallet loads and online gaming over ₹10,000 a month, and utilities over ₹50,000 a month, cost 1% each, capped at ₹4,999 a month.
Cash withdrawal: 2.5% or ₹500, whichever are more. Card reissue: ₹199.

Tata Neu Plus: fees and charges

Joining fee	₹499 + GST
Annual or renewal fee	₹499 + GST
Annual fee waiver	Spend ₹1,00,000 or more in a year before the renewal date to waive the renewal fee
Add-on card fee	Nil
GST	Charged on top of the fees and charges listed
In the bank’s words	₹499 + GST joining and annual fee (MITC); 499 NeuCoins welcome benefit as reversal of the first-year fee
Interest on unpaid balances	Up to 3.75% a month (45% a year)
Late payment fee	Late payment charges (excl. GST), basis the bill amount, w.e.f. 1 Aug 2024: nil up to ₹100; ₹100 for ₹101 to ₹500; ₹500 for ₹501 to ₹1,000; ₹600 for ₹1,001 to ₹5,000; ₹750 for ₹5,001 to ₹10,000; ₹900 for ₹10,001 to ₹25,000; ₹1,100 for ₹25,001 to ₹50,000; ₹1,300 above ₹50,000. Charged when the Minimum Amount Due is not paid; account is reported past due and late fee levied only after 3 grace days from the due date.
Cash withdrawal	2.5% of the amount withdrawn or ₹500, whichever is higher, plus finance charges at the revolving rate from the date of withdrawal until full payment.
Over-limit fee	2.5% of the over-limit amount, minimum ₹550, only with the cardholder's explicit consent.
Forex markup	3.5% of the amount
Other fees	Rent payments: 1% of the transaction amount on any applicable merchant, capped at ₹4,999 per transaction (w.e.f. 1 Jul 2025). Fuel: 1% on the whole amount of a fuel transaction above ₹15,000 (consumer cards), capped at ₹4,999 per transaction. Utilities: 1% on total utility spends when they exceed ₹50,000 in a calendar month, capped at ₹4,999 per month (insurance is not treated as utility). Education: 1% on payments through third-party apps such as CRED, NoBroker, Cheq, capped at ₹4,999 per transaction; direct payments to the school or college website or POS and international education are not charged. Wallet loading (excluding PayZapp): 1% on total wallet loads when they exceed ₹10,000 in a calendar month, capped at ₹4,999 per month (w.e.f. 1 Jul 2025). Online skill-based gaming: 1% on total gaming spends when they exceed ₹10,000 in a calendar month, capped at ₹4,999 per month (w.e.f. 1 Jul 2025). Railway ticket purchases: 1% of the transaction amount + GST (all cards other than IRCTC). Dynamic currency conversion markup: 1.75% on transactions in Indian rupees at an international location or with merchants located in India but registered overseas (w.e.f. 15 May 2026). Card reissue (lost, stolen, damaged or network change): ₹199 for non-metal cards; ₹3,500 for metal cards (w.e.f. 15 May 2026). Payment return: 2% of the payment amount, minimum ₹450. Cash processing fee: ₹100 for card payments deposited in cash at HDFC Bank branches or ATMs. Balance transfer processing: 1% of the amount or ₹250, whichever is higher. EasyEMI processing fee at merchants: up to ₹299 (w.e.f. 1 Aug 2024).

NeuCoins on Tata Neu Plus, with the caps applied

Partner Tata brands pays 2% as NeuCoins on non-EMI spends. Each brand has a monthly fair-usage limit on spends that earn, for example ₹50,000 at BigBasket and Tata Pay and ₹3,00,000 at Croma, which very few peoples will touch. Other brands earn 1%, and so do merchant EMI spends.

NeuPass members can earn an extra 5% on selected categories bought on the Tata Neu app or website. Tata Pay bill payments, Tanishq, Cult.fit, Air India and Tata Play are left out, and the purchase must come from the primary cardholder's own account. HDFC doesn't list the categories, so we kept this extra out of our sums.

On UPI the RuPay card earns 0.25% through any UPI app, and 1% in total when you pay with the Tata Neu UPI ID, up to 500 NeuCoins a month. At 1% the cap needs ₹50,000 of UPI spends (500 divided by 1%), so it rarely bites on this card.

Category limits and exclusions

Grocery NeuCoins stop at 1,000 a month; utilities, telecom and cable, and insurance at 2,000 a month each.
A limit of 25,000 per statement cycle apply to categories without their own fair-usage limit.
Nothing on fuel, wallet loads, gift cards and vouchers, rent, government payments, cash, card fees, Smart EMI or Dial an EMI, education through apps or online gaming.
NeuCoins are rounded down, and the MITC counts transactions in multiples of ₹100.

Lounges: one domestic lounge voucher for each calendar quarter in which you spend ₹50,000 or more, up to 4 a year. Claim it within 120 days and use it within 180 days. No international lounge is listed.

Three spenders, worked out

Monthly spends	Light, ₹12,000	Typical, ₹35,000	Heavy, ₹80,000
BigBasket at 2%	₹4,000: 80	₹8,000: 160	₹15,000: 300
Other Tata brands at 2%	Tata 1mg ₹1,000: 20	Croma and Westside ₹8,000: 160	Croma and Tata CLiQ ₹25,000: 500
Non-Tata spends at 1%	₹4,000: 40	₹12,000: 120	₹25,000: 250
UPI with the Tata Neu UPI ID at 1%	₹3,000: 30	₹7,000: 70	₹15,000: 150
NeuCoins a month	170	510	1,200
NeuCoins a year	2,040	6,120	14,400
Lounge vouchers a year	None	4	4
Fee from year two	Waived	Waived	Waived

Light: ₹12,000 a month is ₹1,44,000 a year (₹12,000 times 12), past the ₹1 lakh renewal line, so 2,040 NeuCoins (170 times 12) comes in with no fee from year two. A quarter of ₹36,000 (₹12,000 times 3) misses the lounge voucher by ₹14,000 (₹50,000 minus ₹36,000).

Typical: 6,120 NeuCoins (510 times 12), or ₹6,120 to spend on Tata Neu, about 1.46% of ₹4,20,000 yearly spends (₹35,000 times 12). Each quarter crosses ₹50,000, so four lounge vouchers come along too, if you claim it within 120 days.

Heavy: 14,400 NeuCoins (1,200 times 12) on ₹9,60,000 of spends (₹80,000 times 12), which is 1.5%. Croma and Tata CLiQ make ₹25,000 of the ₹40,000 Tata spends (₹15,000 plus ₹25,000), so one big appliance a year does the work of many grocery runs. No cap is near for this person; it's the 2% rate that hold the total back, and that is where Infinity come in, as the Similar cards tab shows.

Tata Neu Plus: higher-reward categories

Category	Rate	Cap
Non-EMI spends on partner Tata brands	2% back as NeuCoins, about 2% value	Fair usage by monthly spend per brand (e.g. Croma ₹3,00,000 a month; Tata Pay ₹50,000; BigBasket ₹50,000), month
Selected categories on the Tata Neu app or website (NeuPass)	Additional 5% back as NeuCoins, about 5% value	Not on Tata Pay bill payments, Tanishq, Cult.fit, Air India and Tata Play
UPI spends on the RuPay card	Up to 1%: 0.25% with any UPI ID plus an extra 0.75% with the Tata Neu UPI ID, about 1% value	total NeuCoins earned on eligible UPI transactions are capped to 500 NeuCoins per month, calendar month

Tata Neu Plus: how rewards work

Earned as	Tata NeuCoins (1 NeuCoin = ₹1 on Tata Neu)
Base rate	1% back as NeuCoins on non-EMI spends on non-Tata brands and on merchant EMI spends. About 1% value back
Minimum spend rules	NeuCoins rounded down to whole numbers; transaction amounts in multiples of ₹100 (MITC)
No rewards on	Fuel Wallet loads, gift or prepaid card loads and voucher purchases Cash advances Payment of outstanding balance Card fees and charges Smart EMI / Dial an EMI Rental and government transactions Education payments through third-party apps (from 1 Sep 2024) Online skill-based gaming, MCC 5816 (from 1 Jul 2025)
Lower rewards on	Grocery: capped at 1,000 NeuCoins per month Utility and telecom & cable: 2,000 NeuCoins per month each Insurance: 2,000 NeuCoins per month
Value of a point	Tata Neu app and eligible Tata brands: 1 NeuCoin = INR 1
Redemption fee	No processing fee for Tata Neu Infinity / Tata Neu Plus redemption requests (MITC)
Expiry	From 25 Nov 2026: claim NeuCoins in the Tata Neu App within 12 months of the statement; claimed NeuCoins valid 12 more months
Welcome benefits	499 NeuCoins (reversal of the first-year fee) on the first transaction within 30 days of issuance; not for lifetime-free or first-year-free cards
Milestone benefits	1 domestic lounge voucher per calendar quarter on spends of ₹50,000 in that quarter (up to 4 a year) Renewal fee waived on ₹1 lakh annual spends
Lounge access	Domestic: 1 complimentary domestic lounge voucher per calendar quarter (up to 4 a year) International: None stated Condition: Spends of ₹50,000 or more in that calendar quarter (from 10 Jun 2025); claim within 120 days and use within 180 days
Fuel surcharge waiver	1% fuel surcharge waiver on transactions of ₹400 to ₹5,000; maximum waiver ₹250 per statement cycle
Insurance cover	Not published by the bank

Who can apply for Tata Neu Plus

Salaried applicants should be 21 to 60 with a gross monthly income above ₹25,000; the card FAQ words the same figure as net monthly income. Self-employed applicants should be 21 to 65, and the FAQ puts their floor at ₹6 lakh a year, while the eligibility section of HDFC's page shows a different figure. Better check with the bank if you are near to the line. The card is for Indian nationals, and existing HDFC cardholders can apply too.

We couldn't read a card-specific document list. HDFC's general guidance ask for identity, address and income proof, and existing customers may not need to submit them again.

How to apply

Apply online with the Apply Now link on the card page or at an HDFC branch; visiting a branch is not compulsory. Pick RuPay if you plan to pay by UPI, because only RuPay credit cards can be linked to UPI. NeuCoins live in the primary cardholder's Tata Neu account.

What HDFC weighs

Your own income and the card limits you already holds elsewhere, which the RBI's 2025 card Directions require the bank to assess.
Your credit report: on CRIF's 300 to 900 scale, above 700 is generally good.
Tata Digital has no say in approval. A co-brand partner only markets the card and cannot see your transactions; HDFC decides, and is answerable for delivering the NeuCoins it advertises.

A rejection must come with the specific reasons in writing. Agents can only collect your form, the decision is always HDFC's.

Tata Neu Plus: eligibility and documents

Age (salaried)	21 to 60 years
Age (self-employed)	21 to 65 years
Income (salaried)	Gross monthly income greater than ₹25,000
Income (self-employed)	Eligibility section reads 'greater than ₹712 lakh per annum' (page error); FAQ says minimum ₹6 lakh a year
Other conditions	Indian nationals; existing HDFC Bank cardholders can apply
Documents	Identity proof, address proof and income proof (HDFC Bank general guidance; the card page's document list could not be read) Existing HDFC Bank customers may not need to submit them again
How to apply	Online at applyonline.hdfc.bank.in (Apply Now on each card page), or at an HDFC Bank branch; FD-backed Pixel cards can be applied for in the PayZapp app. HDFC's FAQ says a branch visit is not mandatory.
Card customer care	1800 1600 / 1800 2600 (toll-free in India); +91 22 6160 6161 from outside India

These are the bank's published conditions. Meeting them does not guarantee a card: approval and the credit limit are the bank's decision.

Tata Neu Plus against three shopping cards

Tata Neu Infinity HDFC Bank

The Infinity version costs ₹1,499 plus GST, returned as 1,499 NeuCoins in year one and waived on ₹3 lakh a year. It earns 5% on Tata brands, 1.5% on other spends and up to 1.5% on UPI, gives 2 domestic lounge vouchers a quarter on ₹50,000 of spends, and charges 2% on forex. Take our heavy spender: ₹40,000 at Tata brands earns 2,000 NeuCoins a month on Infinity at 5% against 800 at 2%, ₹25,000 of other spends 375 at 1.5% against 250, and ₹15,000 of UPI 225 against 150. That's 2,600 against 1,200 a month, a gap of 1,400, or 16,800 a year (1,400 times 12), with the fee waived on both at that spend. The catch is income: above ₹1 lakh a month for salaried applicants.

Amazon Pay ICICI Bank

Amazon Pay ICICI has no joining or annual fee at all. Prime members get 5% on Amazon and others 3%, with 2% at Amazon Pay partner merchants and 1% elsewhere, paid as Amazon Pay balance. Forex is 1.99%. It's invite only and the application starts on Amazon, it needs ₹30,000 a month.

Flipkart Axis Bank

Flipkart Axis costs ₹500 plus GST and pays 7.5% on Myntra and 5% on Flipkart and Cleartrip, each capped at ₹4,000 a statement quarter, as statement credit. Its waiver needs ₹3.5 lakh a year, a real cost for a light spender.

SBI Card issues its own Tata Neu Infinity card too.

Who should pick which

Tata Neu Plus: a Tata shopper on a moderate income who will claim the NeuCoins.
Tata Neu Infinity: the same shopper earning above ₹1 lakh a month and spending ₹3 lakh a year.
Amazon Pay ICICI: Amazon is your main store and you has an invite.
Flipkart Axis: Myntra and Flipkart orders are your biggest spends.

All HDFC cards: HDFC Bank credit cards. Card help: HDFC Bank customer care. Other banks: the credit cards hub.

Tata Neu Plus against similar cards

Term	Tata Neu Plus HDFC Bank Credit Card This card	Tata Neu Infinity HDFC Bank Credit Card	Tata Neu Infinity SBI Card	Amazon Pay ICICI Bank Credit Card
Bank	HDFC Bank	HDFC Bank	SBI Card	ICICI Bank
Joining fee	₹499 + GST	₹1,499 + GST	₹1,499 + GST	Nil
Annual fee and waiver	₹499 + GST. Spend ₹1,00,000 or more in a year before the renewal date to waive the renewal fee	₹1,499 + GST. Spend ₹3,00,000 or more in a year, before your Credit Card renewal date and get your renewal fee waived off.	₹1,499 + GST. Annual Fee reversal on annual spends of 3 lakhs or more (net retail spends in the 365 days before the fee date)	Nil
Base reward	1% back as NeuCoins on non-EMI spends on non-Tata brands and on merchant EMI... (about 1% value)	1.5% back as NeuCoins on non-EMI spends on non-Tata brands and on merchant EMI... (about 1.5% value)	1.5% Value Back as NeuCoins on other spends, including UPI transactions... (about 1.5% value)	1% Reward Points on all purchases on non-Amazon platforms (about 1% value)
Best category	Selected categories on the Tata Neu app or website: about 5% value	Non-EMI spends on partner Tata brands: about 5% value	Non-EMI spends on Tata Neu app/website and partner Tata brands: about 5% value	Amazon.in purchases, Amazon Prime members: about 5% value
Lounges	Domestic: 1 complimentary domestic lounge voucher per calendar quarter (up to 4 a year) International: None stated	Domestic: 2 complimentary domestic lounge vouchers per calendar quarter (up to 8 a year) International: Visa: Priority Pass on request, up to 4 complimentary visits per calendar year (1 per quarter) for primary and add-on combined; RuPay: 4 per year (1 per quarter)	Domestic: 8 domestic airport lounge accesses a year (2 per quarter) International: 4 complimentary international airport lounge accesses a year (1 per quarter) via Priority Pass; membership valid 2 years	Domestic: None stated on card page International: None stated on card page
Forex markup	3.5% of the amount	2% of the amount	1.99% of the amount	1.99% of the amount
Network	Visa, RuPay	Visa, RuPay	Visa, RuPay	Visa
Published minimum income	₹25,000 a month	₹1,00,000 a month	Stable income; SBI Card says the specific minimum varies by card and does not...	₹30,000 a month
Status	Taking applications	Taking applications	Taking applications	Taking applications

Frequently asked questions

Is the Tata Neu Plus HDFC card free in the first year?

Almost. The ₹499 joining fee is charged with GST, and Tata Digital returns 499 NeuCoins as a fee reversal if you make your first transaction within 30 days of issue. The ₹89.82 of GST at 18% is not returned. From year two the ₹499 renewal fee is waived if you spend ₹1 lakh in the year before renewal.

How many NeuCoins does the Tata Neu Plus card earn?

It earns 2% as NeuCoins on non-EMI spends at partner Tata brands and 1% on other spends, including merchant EMI. RuPay UPI earns 0.25% through any app or 1% with the Tata Neu UPI ID, capped at 500 NeuCoins a month. Grocery is capped at 1,000 a month. One NeuCoin is worth ₹1 on Tata Neu and its brands.

What income do I need for the Tata Neu Plus HDFC card?

Salaried applicants aged 21 to 60 need a gross monthly income above ₹25,000. For self-employed applicants aged 21 to 65, the card FAQ gives ₹6 lakh a year, though HDFC's eligibility section shows a different figure. Meeting the bar is not approval: HDFC decides each application after checking your income, existing limits and credit report.

Does the Tata Neu Plus card give airport lounge access?

Only through spending. Since 10 June 2025 you get one complimentary domestic lounge voucher for each calendar quarter in which you spend ₹50,000 or more, up to 4 a year. The voucher must be claimed within 120 days and used within 180 days. No international lounge access is listed for this card.

What changes on 25 November 2026 for Tata Neu Plus cardholders?

NeuCoins will no longer be credited to your Tata Neu account automatically. You must claim them in the Tata Neu App within 12 months of the statement in which you earned them, and claimed NeuCoins then stay valid for another 12 months. Coins left unclaimed after the window are lost, so check the app every few months.

Should I choose Tata Neu Plus or Tata Neu Infinity?

Choose Infinity if you earn above ₹1 lakh a month and spend heavily at Tata brands: it pays 5% there and 1.5% elsewhere for ₹1,499 plus GST, waived on ₹3 lakh a year. Plus suits lower incomes, paying 2% and 1% for ₹499 plus GST, waived on ₹1 lakh. Both return the first-year fee as NeuCoins.

Sources

HDFC Bank: Part I Key Fact Statement cum Most Important Terms and Conditions (MITC), English, Version 4.18; Terms & Conditions – Tata Neu Plus HDFC Bank Credit Card; Credit Card Fee Waiver Condition (Pricing MID for Oct 2026); Tata Neu and HDFC Bank partner to create one of India's most rewarding co-branded credit cards (press release); Tata NeuCoins Claim and Redemption Process on Tata Neu HDFC Bank Credit Card; Tata Neu Plus HDFC Bank Credit Card (product page); Tata Neu Plus Eligibility; How to Get a Credit Card in 3 Easy Steps (HDFC Bank blog); Credit Card Customer Care Number & Support

Last verified: 5 November 2026

Written by Abhishek Kumar, reviewed by BankCreds Financial Experts

BankCreds does not sell cards or take applications. Fees and rewards change; the bank's own terms on the day you apply are what count, and approval is the bank's decision.