Rated 19 Oct 2026 after reading every document the bank publishes for this card. Not a recommendation. How we rate
Premium · Open to new applications · Earns cashback
First-year fee
₹499 + GST
Annual fee
₹499 + GST
₹499 plus applicable taxes (joining/renewal membership fee)What it gives back
2% back as NeuCoins on Non-EMI Spends on Tata Neu and partner Tata Brands; 1% back as NeuCoins on Non-Tata Brand Spends and any Merchant EMI Spends.
Compared with the cards we have read
Joining feeRenewal fee
₹499 + GST
Fee waiver rule
Fee waived if you spend ₹1,00,000.
Add-on card fee
₹0
Welcome benefit
Get 499 NeuCoins on Tata Neu App (as reversal of 1st Year Membership Fees), applicable on 1st Transaction done within 30 days of card issuance and will be available to claim inside Tata Neu App within 60 days of such transaction.
Reward rate
2% back as NeuCoins on Non-EMI Spends on Tata Neu and partner Tata Brands; 1% back as NeuCoins on Non-Tata Brand Spends and any Merchant EMI Spends.
EMI spend earning
1% back as NeuCoins on any Merchant EMI Spends.
Fuel earning
NeuCoins will not be accrued for Fuel.
Government spend earning
NeuCoins will not be accrued for Government related transactions.
Groceries earning
NeuCoins earned on Grocery transactions capped to 1,000 per month.
Insurance spend earning
NeuCoins accrued for insurance transactions have a maximum capping 2,000 per month instead of 2,000 per day
Online earning
Additional 5% back as NeuCoins on selected categories on Tata Neu App/Website, post downloading Tata Neu App and registering for NeuPass.
Rent earning
NeuCoins will not be accrued for Rental related transactions.
Reward earning on dining spends
Restaurant bill payment earns 1% NeuCoins.
Travel earning
2% back as NeuCoins (Non-EMI) on partner Tata Brands including IHCL, Air India Express and Air India, governed by the fair usage policy
Utilities earning
NeuCoins earned on Utility transactions capped at 2,000 NeuCoins per calendar month.
Wallet load earning
NeuCoins will not be accrued for Wallet related transactions.
Reward exclusions
NeuCoins will not be accrued for Fuel, Wallet, Rental, Government and Online Gaming related transactions.
Reward caps
The maximum reward points that can be earned in a statement cycle for Tata Neu Plus* is 25,000. (*) Applicable only on the spend categories that do not have an existing Fair Usage Policy
What one reward unit is worth
Each NeuCoin may be utilized to avail a Benefit equivalent to ₹1 on Tata Neu Rewards Program-Eligible Purchases.
Cashback redemption
Not offered: NeuCoins may not be exchanged for cash.
Flight redemption
You can use your NeuCoins for purchases on Air India Express.
Hotel redemption
You can use your NeuCoins for Hotel Bookings/Purchases on IHCL.
Points transfer redemption
NeuCoins transferred to Tata Neu will be available for redemption on Tata Neu App.
Redeeming points for travel
NeuCoins can be redeemed via Tata Pay on Air India Express and IHCL hotels; currently, NeuCoins redemption option is not available on Air India, Tata Play, and Bill Payment on Tata Neu.
Statement-credit redemption
NeuCoins may not be exchanged for cash, prizes, or credit.
Voucher and product redemption
You can use your NeuCoins for purchases on Bigbasket, Croma, Westside, Tata CLiQ, Tata CLiQ Luxury, TATA 1MG, Qmin, Titan and Tanishq (only via Tata Neu); NeuCoins can only be used on eligible transactions as defined by the individual brands
Points transfer redemption
NeuCoins will be transferred to Tata Neu by the Bank on periodic basis, within 7 working days of the statement generation
Point expiry
Validity of 12 months (including lock period)
Award examples
The bank's documents don't say.Checked 19 Oct 2026
Airline and hotel partners points may move to
The bank's documents don't say.Checked 19 Oct 2026
Reward earning on international spends
The bank's documents don't say.Checked 19 Oct 2026
Domestic lounge access
1 Complimentary Domestic Lounge Voucher per calendar quarter (up to 4 per calendar year) on spends of ₹50,000 or more in a calendar quarter
Milestone benefits
Domestic Lounge Access benefit is Milestone based and can be availed as a Lounge Voucher on spends of ₹50,000 or more in a calendar quarter.
Retention or continued-access criteria
The card account is closed by the Bank if the card is not used for a continuous period of 1 year and the cardholder does not start using it within 30 days of the Bank's notice, subject to payment of all dues by the cardholder
Minimum spend rules
Transactions below ₹100 will not earn CashPoints (earned in multiples of ₹100)
Renewal benefit
The bank's documents don't say.Checked 19 Oct 2026
International lounge access
The bank's documents don't say.Checked 19 Oct 2026
Golf
The bank's documents don't say.Checked 19 Oct 2026
Concierge
The bank's documents don't say.Checked 19 Oct 2026
Dining programme
The bank's documents don't say.Checked 19 Oct 2026
Hotel or travel programme
The bank's documents don't say.Checked 19 Oct 2026
Movies and entertainment
The bank's documents don't say.Checked 19 Oct 2026
Priority Pass
The bank's documents don't say.Checked 19 Oct 2026
Movie or entertainment ticket benefit
The bank's documents don't say.Checked 19 Oct 2026
Benefit given each anniversary year
The bank's documents don't say.Checked 19 Oct 2026
Fuel surcharge waiver
1% fuel surcharge waiver at all fuel stations across India.
Surcharge on railway tickets
1% of the transaction amount + GST on railway ticket purchases (applicable for all cards other than IRCTC)
Lost card liability
The cardmember is wholly liable for all transactions prior to reporting the loss of the card; after the bank receives proper notification of the loss, the cardmember's subsequent liability is zero.
Balance transfer terms
1% of the transferred amount or a minimum of ₹250, whichever is higher
Purchase to EMI conversion
Option to convert big spends into EMI after purchase available on Tata Neu Plus Credit Card.
Air accident cover
The bank's documents don't say.Checked 19 Oct 2026
Purchase protection
The bank's documents don't say.Checked 19 Oct 2026
Travel insurance
The bank's documents don't say.Checked 19 Oct 2026
What must be paid with the card for the cover to apply
The bank's documents don't say.Checked 19 Oct 2026
Credit shield cover
The bank's documents don't say.Checked 19 Oct 2026
Medical and hospitalisation cover
The bank's documents don't say.Checked 19 Oct 2026
Add-on card eligibility
The bank's documents don't say.Checked 19 Oct 2026
Forex markup
3.5% on foreign currency transactions.3.5% of the transaction value
Dynamic currency conversion markup
With effect from 15th May 2026, a Markup fee of 1.75% will be levied on all transactions carried out in Indian Currency at an international location or at merchants which are located in India but registered overseas
Cash advance fee
2.5% of the amount withdrawn or ₹500, whichever is higher; billed in the next statement.
Cash advance interest
All cash advances also carry a finance charge equal to charges on revolving credit, from the date of withdrawal until the date of full payment
Cash withdrawal limit
40% of the Credit Limit.
Interest on unpaid balance
3.75% monthly, 45.0% annually (excluding GST)
Interest-free period
The interest-free credit period could range from 20 to 50 days, subject to the scheme applicable on the specific credit card and the submission of claims by the merchant. This is not applicable if the previous month's balance has not been cleared in full or if the cardmember has availed of cash from ATM
Late payment fee
By outstanding balance: ₹100 or less: Nil; ₹101 to ₹500: ₹100; ₹501 to ₹1,000: ₹500; ₹1,001 to ₹5,000: ₹600; ₹5,001 to ₹10,000: ₹750; ₹10,001 to ₹25,000: ₹900; ₹25,001 to ₹50,000: ₹1,100; more than ₹50,000: ₹1,300 (excl. GST)
Over-limit fee
Over-limit charge of 2.5% of the overlimit amount, subject to a minimum of ₹550, applicable on total outstanding exceeding the credit limit, basis explicit consent
Payment return or dishonour fee
2% of Payment amount subject to minimum of ₹450 (applicable for cheque payment return or unsuccessful payment attempt through Autopay facility)
Statement or duplicate statement fee
₹10 per duplicate physical statement.
Card replacement fee
₹199 for non-metal cards; ₹3,500 for metal cards.
Cash payment / cash deposit fee
₹100 (for all card payments made by depositing in HDFC Bank branches or ATMs)
Charge for lounge visits beyond the free limit
Chargeable basis as per the rates applicable and communicated by the lounge staff.
Education / school fee charge
1% fee on education transactions done through third party applications like (but not limited to) CRED, Nobroker, Cheq etc., capped at ₹4999 per transaction; education transactions done directly through college / school websites or through POS machines at their premises, and international education transactions, will not be charged.
EMI conversion fee
Smart EMI processing fee: processing fees levied is upto ₹849 (exclusive of GST for all loan amounts), depending on the customer’s eligibility/offer details
Fee on online skill-based gaming spends
W.e.f. 1st July 2025, 1% fee on online skill based gaming spends exceeding ₹10,000 in a calendar month, applied on the total online skill-based gaming spends in the month; fee capped at ₹4999 per month
Foreign ATM fee
Cash from ATMs in India or abroad: transaction fee of 2.5% or ₹500, whichever is higher, levied on the amount withdrawn and billed in the next statement.
Wallet load charge
Wallet loading (excl PayZapp): W.e.f. 1st July 2025, 1% fee on wallet loading spends exceeding ₹10,000 in a calendar month, applied on the total wallet loading spends in the month; fee capped at ₹4999 per month
What the card's fee or benefit year means
Joining Fees will be levied on 120th day of the card issuance and Renewal Fees will be levied every year at the start of every anniversary year
Fuel transaction fee
1% fee on fuel transactions exceeding ₹15,000 for consumer cards (₹30,000 for business cards), applied on the total transacted amount; fee capped at ₹4999 per transaction.
Rent transaction fee
W.e.f. 1st July 2025, 1% fee on transaction amount on rental transactions done on any applicable merchant for the month; fee capped at ₹4999 per transaction
Utility transaction fee
1% fee on utility spends exceeding ₹50,000 per calendar month for consumer cards (₹75,000 per calendar month for business cards), applied on the total utility spends in the month; fee capped at ₹4999 per month.
GST note
GST levied will not be reversed on any dispute on Fee & Charges / interest
Grace days after the due date
3 grace days are allowed from the payment due date; late payment charges are levied when the account stays past due for more than 3 days.
Minimum amount due
MAD (WEF June’25) = Total GST + EMI amount + 100% of Fees/Charges + Overlimit Amount (if any) + 5% of (Finance Charge + Retail Spends + Cash Advance) when that 5% is higher than the Finance Charge; otherwise 100% of Finance Charges + 5% of (Retail Spends + Cash Advance)
Fee for paying the bill by cheque
The bank's documents don't say.Checked 19 Oct 2026
Age the primary cardholder must beMinimum age
Salaried: 21 – 60 years; Self-Employed: 21 – 65 years.
Income requirement
Salaried: Income (Monthly) — ₹25,000; Self-Employed: Annual ITR > ₹6,00,000.
Income, salaried
Income (Monthly) — ₹25,000
Income, self-employed
Annual ITR > ₹6,00,000
Documents required
Identity Proof: Passport, Aadhaar card, Voter ID, Driving licence, PAN card, Passport size photographs; Address Proof: Utility bills (electricity, water, gas), Rental agreement, Bank statement; Income Proof: Salary slips (recent), Form 16, Income Tax Returns (ITR), Bank statements
Residency
Indian (Nationality)
Spend that unlocks lounge visits in the next period
Lounge Voucher on spends of ₹50,000 or more in a calendar quarter.
The period milestones are measured over and when it resets
Domestic Lounge Voucher: 1 complimentary per calendar quarter (up to 4 per calendar year)
How the earn rate is rounded
Reward Points/CashPoints are earned on transaction amounts in multiples of ₹100; a residual amount or a transaction below ₹100 will not earn CashPoints.
Whether carrying a balance ends the interest-free period
This period will be free of interest only if all previous dues are paid in full and there is no unpaid balance carried over from previous months.
Spends that do not count toward the fee waiver
Cash on Call, Balance Transfer and Cash Withdrawal transactions are excluded
What happens to unredeemed points if the card is closed
For closed cards: reward points can be redeemed only for 30 days from the date of card closure (unredeemed points lapse), only towards products/vouchers through a manual redemption form; cashback redemption is not allowed on closed cards
The card's fees page says a lost or damaged card is reissued for ₹100; HDFC's MITC v4.14 (9 Oct 2026) charges ₹199 for non-metal cards and ₹3,500 for metal cards.
“The reissue charges for Tata Neu Plus HDFC Bank Credit Card are ₹100 plus applicable taxes.”
“Reissue of Lost, Stolen or Damaged Card: • ₹199 for non-metal cards; • ₹3,500 for metal cards.”
Which governs: MITC and Key Fact Statement v4.14, 9 Oct 2026
The card's fees page says the dynamic currency conversion markup is 1%; HDFC's MITC v4.14 sets it at 1.75% from 15 May 2026.
“The Tata Neu Plus HDFC Bank Credit Card charges a 1% dynamic currency conversion markup fee”
“Dynamic currency conversion currency conversion Markup Fee: With effect from 15th May 2026, a Markup fee of 1.75% will be levied on all transactions carried out in Indian Currency at an international location or at merchants which are located in India but registered overseas.”
Which governs: MITC and Key Fact Statement v4.14, 9 Oct 2026
On these lists
₹499 a year
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