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HDFC Bank Tata Neu Plus Credit Card
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HDFC Bank Tata Neu Plus Credit Card

3.8/5
Entry Level Paid Credit Cards
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Overview

Updated On: October 13, 2026 | AB Published by: Amit B | 4 min read
HDFC Bank Tata Neu Plus Credit Card is an entry level co-branded credit card of HDFC Bank with Tata Neu. Through this card, you get attractive valuaback in the form of Tata Neu points on shopping of Tata retails products and retail services. These include some of the popular brands like BigBasket, Croma, Westside, Air India, Taj Hotels, Tanishq etc. On top of it, it provide lifestyle benefit such as domestic airport lounge access.This card is available on both Visa and Rupay network. The RuPay variant provides good valuaback on UPI payment. This card is also a great option for insurance related payments and utility bills.

Pros

  • High value back on Tata Group consumer facing brands
  • While Domestic Airport Lounge access comes with spend condition, the lounge access is given in the form of vouchers which can be claimed within 120 days. After claiming also you get another 60 days to use it. So, in total, you get 180 days to use the lounge access after being eligible for the same. So, you can accumulate the lounge access vouchers for your trips and use access multiple lounges within the same quarter or month also if you have multiple vouchers. This gives good flexibility.
  • Decent value back on UPI payments
  • This is among very few credit cards which gives value back on insurance payments.
  • This cards gives value back on utility bill payment of very high value also (gives 2% Neu Coins on Utility Bills upto Rs.1 Lac spend on utility bills in a month (maximum upto Rs.6 Lacs spend on utility bills in a year.).
  • This Credit Card also provides 1% valueback on EMI payments (principal amount). This is good as most other credit cards have stopped giving any rewards on EMIs.

Cons

  • Valueback is provided in the form of Neu Coins which can only be used on Tata Brands.
  • Neu Coins on UPI are only applicable if payment is done using Neu App. Neu App is not as fast and smooth as other popular UPI apps.

Fees & Charges

Joining / Annual Fee ₹ 589
Renewal Fee ₹ 589
Annual Spend Target for Fee Waiver ₹ 100,000
Minimum Annual Income Required ₹ 300,000

Rewards and Benefits

Reward Rate

Base Valueback Rate 1%, 2% Valueback on Tata Retail products, 7% Valueback on Tata Retail Products purchase from Tata Neu App

Base Reward Rate

1%

Accelerated Reward Rate

7%

Welcome Benefits

499 Neu Coins on Tata Neu App (only on payment of Joining Fee) on 1st Transaction done within 30 days of card issuance. It needs to be claimed in Tata Neu App within 30 days of doing the first transaction.

Renewal Benefits

No Renewal Benefits

Rewards & Cashback Details

  • Tata Products & Services: 7% Valueback
    • 2% back as NeuCoins on Non-EMI Spends on Tata Neu App and partner Tata Brands (BigBasket, 1mg, Titan, Tanishq, Croma, Tata Cliq, Westside, Tata Play, Cult.fit, Tata Pay, Air India, Taj Group, Qmin).
    • Additional 5% Neu Coins on spend made on Tata Neu App as given below
      • 5% upto 750 Neu Coins per transaction on BigBasket and Croma
      • Upto 5% Neu Coins on Cult.fit, 1MG, Westside
      • 5% Neu Coins on IHCL brands (Taj hotels and other hotels). Upto 8% for higher Tier members of IHCL
      • 5% Neu Coins on Air India and Air India Expresss (Capped at 175 Neu Coins per Domestic Flight and 500 Neu Coins per International Flight, maximum 5,000 Neu Coins in a year)
  • Utility Bills, Mobile & DTH Recharges: 2% Valueback in the form of Neu Coins on payment through Tata Neu App. Neu Coins earned on Utility transactions will be capped at 2,000 Neu Coins per calendar month. Neu Coins earned on Telecom & Cable transactions will be capped at 2,000 Neu Coins per calendar month.
  • Insurance Payment: 1% Valueback in the form of Neu Coins on payment through Tata Neu App. Neu Coins for Insurance Spends will be capped at 2,000 Neu Coins per day.
  • Other Spend: 1% back as NeuCoins on Non-Tata Brand Spends and any Merchant EMI Spends
  • UPI Spend:
    • 1% Neu Coins on UPI transactions done using Tata Neu App
    • O.25% Neu Coins on UPI Transactions done on any other UPI app.
    • Maximum Neu Coins on UPI Spend are limited to 500 Neu Coins per calendar month.
  • Grocery Spends: Neu Coins on Grocery spend will be capped at 1,000 Neu Coins per month.

Rewards Redemption

This cards gives valueback on eligible spend in the form of Neu Coins. These Neu Coins can be used for payment on Tata Neu app or any retail purchase on Tata Group brands both online and offline. 1 Neu Coin is valued at Rs.1.You can use your NeuCoins for purchases on Tata Neu /Website for Brands like:
  • Air India Express
  • Bigbasket
  • Croma
  • Westside
  • Tata CLiQ, Tata CLiQ Luxury
  • Hotel Bookings/Purchases on IHCL
  • TATA 1MG
  • Qmin
  • Titan and Tanishq (only via Tata Neu App)
You can use your NeuCoins by selecting Tata Pay/ NeuCoins /Loyalty Redemption as the payment method. NeuCoins can only be used on eligible transactions as defined by the individual brands.Neu Coins Validity: NeuCoins expire 365 days after your last transaction involving an eligible earn or use of NeuCoins (even if it’s just one NeuCoin earned or used). So, in case any Neu Coin is about to expire, just use Neu Coin for any small transaction. It will increase the validity of Neu Coin for another 365 days..During special promotions, you might also earn additional NeuCoins. The expiry of these NeuCoins will be mentioned at the time of issuance and it might be less than 365 days. So, do not forget to use those promotional Neu Coins before their expiry date.

Additional Benefits

Domestic Airport Lounge
International Airport Lounge
Railway Lounge Access
Movie Benefits
Dining Benefits
Golf Benefits

Lifestyle Benefits Details

  • Domestic Lounge Access: Domestic Lounge Access benefit will be Milestone based and can be availed as a Lounge Voucher on spends of Rs 50,000 or more in a calendar quarter. Please note, you can access 1 Complimentary Domestic Lounge Voucher per calendar quarter (up to 4 per calendar year).
  • Upon qualifying for the benefit, you will receive SMS and Email, intimating you about the qualification. In case you have qualified for the benefit visit the link received in the SMS/Email, login using your Bank registered mobile number and claim your lounge voucher within 120 days of qualification. Once you have claimed the voucher, you can use the voucher in the eligible lounge list within 180 days of issuance of the voucher, for more details click here.
  • International Lounge Access: There is no international lounge access available in this credit card.

Features & Benefits

Reward Points
Airport Lounge
Utility Bills
Insurance
Education
Jewellery
Rewards on EMI
Cashback
Airmiles
NPS
Government Payment
Fuel
Rent
Gift Cards
Wallet Load

No Cashback / Rewards Categories

No reward points on following
  • Rent
  • Fuel
  • Government related payments
  • Education payments made through third-party apps like (but not limited to) CRED, Cheq, MobiKwik, and others will NOT earn NeuCoins. However, education payments made directly through college/school websites or their POS machines will earn NeuCoins.
  • Wallet loads / Gift or Prepaid Card load
  • Giftcard or Voucher purchase
  • Cash Advances | Payment of Outstanding Balances
  • Payment of card fees and other charges
  • No Neu Coins on HDFC Banks's Smart EMI / Dial an EMI transaction. However, you earn 1% Neu Coins on spend done through merchant provided EMI (only on principal repayment)

Ratings & Reviews

3.8
Overall Rating
Reward Rate
4/5
Lifestyle Benefits
3/5
Ease of Reward Redemption
4/5
Value For Money
4/5
Customer Service
4/5

Detailed Review

HDFC Tata Neu Infinity Credit Card is a good mid-level credit card for people who regularly shop on at least one Tata Group brand such as BigBasket, 1MG, Croma, Westside, Taj Hotel etc. For these Tata Group brands, its gives very high valueback. Its airport lounge program although comes with minimum spend condition, but due to 180 days time to use claim and use the lounge voucher, gives flexibility to accumulate multiple voucher for long trips with multiple airport visits. Upper limits on Neu Coins on utility bills payment and insurance are very high which are sufficient for almost all retail customers. So, this card can also be considered if you have high utility bills or insurance payments.

Eligibility & Important Info

Eligibility Criteria

Tata Neu Plus HDFC Bank Credit Card Eligibility:For Salaried Indian national Age: Min 21 years & Max 60 Years Net Monthly Income > ₹25,000For Self Employed Indian national Age: Min 21 years & Max 65 Years ITR > Rs 6 Lakhs per annum

Important Links

Add-on Cards

3 Free Ad-on Cards available for close family members with 18 years and above age (Spouse, Parents, 18+ years old brother and sister, 18+ years old son and daughter)

Classification

Card Issuer
HDFC Bank
Card Network
RuPay Visa
Card Purpose
Airport Lounges - Domestic EMI Gold & Jewellery Insurance New Launches Offline Spend Online Shopping UPI Transactions Utility Bills
Reward Type
Reward Points
Card Category
Entry Level Paid Credit Cards

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