Annual Fee
₹499
Rewards/₹100 ⓘ
₹1.00 - ₹1.50
Interest Rate
45.00%
Credit Score
700+
Key Benefits
Up to 7% NeuCoins on Tata, 1% on others, lounge access
Lounge Access
4 domestic lounges/year (1 per quarter on Rs 50K spend)
Eligibility
Min Rs 25,000/month income, age 21-60, CIBIL 700+
The Tata Neu Plus HDFC Bank Credit Card is an excellent entry-level co-branded card for Tata ecosystem loyalists. With up to 7% back on Tata Neu App spends and 2% on partner brands, it offers strong value for those who frequently shop at Croma, BigBasket, Westside, and other Tata brands. The Rs 499 annual fee is easily waivable, and NeuCoins at Rs 1 each provide straightforward value. However, at just 1% on non-Tata spends with no dining or entertainment perks, it works best as a companion card for Tata purchases rather than a primary everyday card.
Best For
Frequent Tata brand shoppers (Croma, BigBasket, Westside, Tata CLiQ) who want to maximize cashback on everyday Tata ecosystem purchases.
Not Ideal For
Those seeking high-end travel perks, international lounge access, movie or dining benefits, or strong reward rates on non-Tata brand spends.
visits per quarter
Spend Rs 50,000+ per quarter. Claim voucher within 120 days, use within 180 days. Max 4 per year.
All Spends
Partner
Partner
UPI Transactions
Merchant EMI Spends
Grocery
Utility Bills
Insurance Payments
Telecom & Cable
Redeem your NeuCoins for cashback, travel, and more
Tata Neu App (Croma, BigBasket, Air India Express, IHCL, Westside)
Tata CLiQ / Tata CLiQ Luxury
Tata 1mg / Titan / Tanishq (via Tata Neu)
In-Store: Croma, IHCL Hotels, Westside
499 NeuCoins on Tata Neu App as reversal of 1st year membership fee. Applicable on 1st transaction within 30 days of card issuance. Claimable within 60 days.
value
1 complimentary domestic airport lounge voucher on spending Rs 50,000 or more in a calendar quarter. Up to 4 per calendar year.
Spend ₹50,000 within 90 days
value
Annual/Renewal membership fee of Rs 499 waived on spending Rs 1,00,000 or more in a year before credit card renewal date.
Spend ₹1,00,000 within 365 days
value
Additional 5% NeuCoins on selected categories on Tata Neu App/Website after registering for NeuPass membership.
value
See how this card performs in different spending categories compared to other cards.
The Tata Neu Plus HDFC Bank Credit Card is a co-branded credit card launched by HDFC Bank in partnership with the Tata Group. It is the entry-level variant in the Tata Neu HDFC Bank credit card family, with the Tata Neu Infinity being the premium sibling.
This card is designed for individuals who frequently shop across the Tata ecosystem, including brands like Croma, BigBasket, Westside, Tata CLiQ, Air India Express, and IHCL Hotels. With up to 7% NeuCoins on Tata Neu App purchases and 2% on partner Tata brand spends, it offers strong rewards for Tata loyalists at a very affordable annual fee of just Rs 499.
The Tata Neu Plus HDFC Bank Credit Card is a co-branded cashback credit card that rewards you with NeuCoins (1 NeuCoin = Rs 1) on every eligible purchase. It is available in both Visa and RuPay variants, with the RuPay variant supporting UPI payments.
Earn NeuCoins on every eligible spend:
Domestic airport lounge access is milestone-based. Spend Rs 50,000 or more per calendar quarter to receive 1 complimentary domestic lounge voucher. Maximum 4 vouchers per calendar year.
1% fuel surcharge waiver at all fuel stations across India on transactions between Rs 400 and Rs 5,000. Maximum waiver of Rs 250 per statement cycle.
Receive 499 NeuCoins on the Tata Neu App on completing your first transaction within 30 days of card issuance.
The card is enabled for contactless (tap-to-pay) transactions up to Rs 5,000 without PIN entry.
Zero liability protection on fraudulent transactions when reported immediately to HDFC Bank.
The Tata Neu Plus HDFC Bank Credit Card provides domestic airport lounge access on a milestone basis.
NeuCoins are earned as a percentage of your eligible spends:
Partner Tata Brand spends have annual fair usage limits: Electronics (Croma) Rs 9L/year, Fashion (Tata CLiQ, Westside) Rs 12L/year, Stay (IHCL, Air India Express) Rs 15L/year, Others Rs 7.5L/year.
1 NeuCoin = Rs 1. Redeem via Tata Neu App, Tata Pay, or at partner stores (Croma, IHCL, Westside). NeuCoins valid for 12 months from credit date.
| Fee Type | Amount |
|---|---|
| Joining/Renewal Fee | Rs 499 + applicable taxes |
| Cash Advance Fee | 2.5% or Rs 500, whichever is higher |
| Late Payment Charges | Rs 900 |
| Over Limit Charges | 2.5% of overlimit amount (min Rs 550) |
| Foreign Currency Markup | 2% of transaction amount |
| Finance Charges (Revolving) | 3.75% per month (45% per annum) |
| Payment Return Charges | 2% of amount (min Rs 450) |
| Card Replacement | Rs 100 |
| Balance Transfer | 1% of BT amount or Rs 250, whichever is higher |
| Railway Ticket Purchase | 1% of transaction amount + GST |
| Rent Payment Fee | 1% of amount (max Rs 4,999/txn) |
| Cash Processing Fee | Rs 100 (branch/ATM payments) |
| Duplicate Statement | Rs 10 |
Visit your nearest HDFC Bank branch with the required documents. The bank staff will assist you with the application process.
The Tata Neu Plus HDFC Bank Credit Card is an excellent entry-level co-branded card for anyone who regularly shops across the Tata ecosystem. The 2% NeuCoins on partner brands and potential for up to 7% on the Tata Neu App makes it one of the best value cards for Tata loyalists. The Rs 499 annual fee is easily waivable at Rs 1 lakh spend, and NeuCoins at Rs 1 each provide clear, straightforward value.
The card works best as a dedicated Tata shopping card rather than a primary everyday card, given its 1% rate on non-Tata spends. For those who spend significantly more on Tata brands, upgrading to the Tata Neu Infinity variant with 5% NeuCoins and international lounge access would be worthwhile.
Last updated: 1 February 2026
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