Tata Neu Plus HDFC Bank Credit Card
Up to 7% NeuCoins on Tata brands + Domestic lounge access
Network: Rupay, Visa | Type: Cashback | Reward: Cashback
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Fees & Charges
- Joining Fee: ₹499 + GST
- Annual Fee: ₹499 + GST
- Waiver: Waived on ₹1L annual spend
- Foreign Markup: 3.5% + GST
- Fuel Surcharge: 1% waiver between ₹400–₹5,000; ₹250/month cap
- Redemption Fee: None
- Late Payment Fee: ₹100–₹1,300 based on bill amount
- Interest Rate: 3.49% per month (~41.88% p.a.)
- Cash Advance: 2.5% or ₹500 (whichever higher)
Credofly Review
The Tata Neu Plus HDFC Bank Credit Card stands out for its generous reward structure, especially for those engaged with Tata brands. With up to 7% back in NeuCoins and additional benefits like lounge access and fuel surcharge waiver, it provides excellent value for its annual fee. However, to maximize benefits, users should be active within the Tata ecosystem and utilize the NeuPass membership.
Rewards & Earnings
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7% on Tata Neu App (NeuPass activated)
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2% on partner Tata brands
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1% on UPI & other eligible retail spends
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0.25% NeuCoins on non-Tata UPI
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No rewards on < ₹100, fuel, EMI, rent, wallet loads
Redeem NeuCoins on Tata Neu App: BigBasket, Croma, Westside, Tata CLiQ, AirAsia, IHCL Hotels & more. 1 NeuCoin = ₹1. Valid for 1 year.
Benefits
- Welcome:
499 NeuCoins on first transaction within 30 days + joining fee paid.
- Milestone:
Annual fee waived on ₹1L spend in anniversary year.
- Renewal:
₹499 waived on ₹1,00,000 annual spend
- Lifestyle:
lounge domestic
Why We Like It
Ideal for Tata brand enthusiasts and daily spenders, offering significant rewards and practical benefits.
Pros & Cons
✅ Pros
Up to 7% NeuCoins on Tata Neu App spends
4 domestic lounge visits yearly
NeuCoins = ₹1; direct redemption via Tata Neu App
❌ Cons
No rewards on < ₹100 transactions
Fuel, rent, EMI, and wallet loads excluded from rewards
Full reward rate requires NeuPass activation
Eligibility & Application
Eligibility:
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Salaried: ₹25,000/month net income
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Self-employed: ₹6L/year ITR
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Age 21–65
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NeuPass required for full benefits
How to Apply:
👉 Apply on Credofly
Submit KYC, income proof → get eKYC & approval in 2–3 days → activate via Tata Neu App.
FAQs
What’s the NeuCoin value?
1 NeuCoin = ₹1. You can redeem them instantly on Tata Neu App..
Do I need to activate NeuPass?
Yes, NeuPass is required to get full 7% NeuCoins on Tata Neu App spends.
Can I earn NeuCoins on UPI spends?
Yes. 1% via Tata Neu UPI ID, 0.25% via other UPI IDs. Max cap ₹500/month for UPI rewards.
Is the annual fee waived?
Yes, on annual spend of ₹1 lakh.
Can I access domestic lounges?
Yes, 4 domestic visits per year included.
What is the welcome benefit?
499 NeuCoins on first txn + fee payment in 30 days.
Any fuel surcharge waiver?
Yes. 1% waiver on ₹400–₹5,000, up to ₹250/month.
Which transactions are excluded from rewards?
Fuel, rent, EMI, wallet loads, government services, and transactions under ₹100.
User Reviews
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