HDFC Bank credit card
Tata Neu Plus HDFC Bank Credit Card
Up to 7% NeuCoins on Tata brands + Domestic lounge access
Credofly overview
Is Tata Neu Plus HDFC Bank Credit Card right for you?
A value-packed co-branded card offering substantial rewards within Tata’s ecosystem, suitable for everyday expenses and UPI transactions.
Earn up to 7% NeuCoins on Tata Neu App with NeuPass. 2% on Tata Brand spends. 1% on all other eligible retail + UPI spends.
What it costs
Fees & charges
Earning & redeeming
Rewards, made clear
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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
How you can redeem
Redeem NeuCoins on Tata Neu App: BigBasket, Croma, Westside, Tata CLiQ, AirAsia, IHCL Hotels & more. 1 NeuCoin = ₹1. Valid for 1 year.
EMI Transactions, Wallet, Rent, Fuel, and Government Spends
<p>No NeuCoins on fuel, rent, wallet loads, EMI, and government spends. Also no rewards on < ₹100 spends.</p>Beyond rewards
Benefits that matter
Welcome offer
499 NeuCoins on first transaction within 30 days + joining fee paid.
Milestone benefits
Annual fee waived on ₹1L spend in anniversary year.
Renewal benefits
₹499 waived on ₹1,00,000 annual spend
Card benefits
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4 domestic airport lounge visits/year (1 per quarter)
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NeuPass membership unlocks full Tata rewards
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1% fuel surcharge waiver on transactions between ₹400–₹5,000
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Zero lost card liability
Lifestyle & travel
lounge domestic
Our independent take
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.
The Tata Neu Plus HDFC Bank Credit Card is an excellent entry into the Tata Neu ecosystem. With up to 7% NeuCoins on app transactions and 2% at Tata brand partners, it delivers solid value for everyday shoppers. The inclusion of UPI rewards (up to 1%), 4 domestic airport lounge visits, and a generous annual fee waiver on just ₹1 lakh spend makes it one of the most practical co-branded credit cards under ₹500.
It does have a few limitations — notably, no rewards for sub-₹100 transactions and exclusions on fuel, rent, and wallet loads. But for those already using BigBasket, Westside, Croma, or Tata CLiQ regularly, this card practically pays for itself. When paired with the NeuPass membership, it becomes a no-brainer for loyal Tata users looking to earn and redeem seamlessly.
Why we like it
Ideal for Tata brand enthusiasts and daily spenders, offering significant rewards and practical benefits.
Strengths
- <p>Up to 7% NeuCoins on Tata Neu App spends</p>
- <p>4 domestic lounge visits yearly</p>
- <p>NeuCoins = ₹1; direct redemption via Tata Neu App</p>
Watch-outs
- <p>No rewards on < ₹100 transactions</p>
- <p>Fuel, rent, EMI, and wallet loads excluded from rewards</p>
- <p>Full reward rate requires NeuPass activation</p>
Before you apply
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.
Your questions answered
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.
From cardholders
User reviews
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