Annual fee₹499+ GST
Forex markup3.5%
Interest3.75%a month
NetworkVisa / RuPay
You earn
Perks & rules
What changed
15 May 20261.75% markup on rupee payments abroad or to overseas-registered merchants; card reissue fee ₹199
17 Nov 2025NeuCoins on converted EMIs are given when the purchase settles, not on each monthly EMI
1 Aug 2025NeuCoins now valid 12 months from the end of the month credited
1 Jul 2025No NeuCoins on online skill-based gaming; insurance capped at 2,000 a month
10 Jun 2025Free lounge entry replaced by 1 voucher a quarter on ₹50,000 quarterly spend
15 Jan 2025Extra 5% via NeuPass only on the primary cardholder's Tata Neu account
1 Sep 2024Utility and telecom capped at 2,000 NeuCoins a month; no NeuCoins on education via third-party apps
Worth it?
See what it pays back on your spending, after the fee.Run the numbers
All the fine printEvery detail from the bank's documents, in one place
How you earn
Rewards asNeuCoins (Tata Neu)
Base rate1% on other non-UPI spends and on merchant EMI
Higher rates
- Tata brands: 2% on non-EMI spends on Tata Neu and partner Tata brands
- UPI (RuPay): Up to 1% on UPI: 0.25% via any UPI app, plus 0.75% more if you pay with a Tata Neu UPI ID (RuPay card)
- Tata Neu app: Extra 5% on selected categories in the Tata Neu app with NeuPass (from Tata Neu, primary cardholder's number only)
Limits
- UPI: up to 500 NeuCoins a calendar month
- Grocery: 1,000 a month; insurance, utilities, telecom & cable: 2,000 a month each
- 2% on Tata brands only up to each brand's monthly/annual spend limit (Annex 1)
- Up to 25,000 points per statement cycle
Doesn't earn on
- Fuel, wallet loads, gift/prepaid cards and vouchers, cash, rent, government, card fees, SmartEMI/Dial-an-EMI
- Education payments via third-party apps (CRED, Cheq, MobiKwik etc.)
- Online skill-based gaming
Where it landsPosted to your card account after the transaction settles; the bank moves them to your Tata Neu account within 7 working days of each statement
What a point is worth
Value1 NeuCoin = ₹1 on eligible purchases in the Tata Neu app and partner Tata brands (BigBasket, Croma, Tata CLiQ, IHCL and others). Not usable against your card bill.
Expiry12 months from the end of the month they reach your Tata Neu account
Redemption feeNot stated in the documents read
Welcome benefit
Welcome499 NeuCoins on your first transaction within 30 days (claim in the Tata Neu app; not for lifetime-free or first-year-free cards)
Milestones
MilestonesNone stated
Airport lounges
Domestic1 domestic lounge voucher per calendar quarter if you spend ₹50,000 in that quarter (up to 4 a year)
InternationalNone
Fuel
Fuel1% surcharge waiver on ₹400–₹5,000, up to ₹250 a statement cycle; no NeuCoins on fuel
Spending abroad
Forex markup3.5%
Fees
Joining fee₹499 + GST (charged on the 120th day after issue)
Annual fee₹499 + GST
Fee waiverRenewal fee waived if you spend ₹1 lakh in the year
If you pay late
Late fee₹100–₹1,300 depending on amount due (nil up to ₹100)
Interest3.75% a month (45% a year)
Cash withdrawal2.5% or ₹500, whichever is higher
Who can apply
Age21–60 years (salaried), 21–65 (self-employed)
SalariedMonthly income ₹25,000
Self-employedITR above ₹6 lakh a year
More perks
PerksNone stated
Sources
Everything on this page comes from these bank documents. Tap any box above for the full wording.
- Tata Neu Plus HDFC Bank Credit Card product page Product page · 2 Oct 2026
- Tata Neu Plus HDFC Bank Credit Card T&C Card T&C · 3 Jan 2026
- HDFC Bank Key Fact Statement & MITC (v4.12) Fee schedule · 30 Sep 2026
- Tata Neu HDFC Bank cards: milestone lounge program Benefit T&C · 10 Jul 2026
- NeuCoins on UPI transactions (Tata Neu Plus) FAQ · 27 Oct 2025
- Tata Neu Plus HDFC Bank Credit Card FAQs FAQ · 7 Jan 2026
- Updates on credit card rewards, fees & charges (15 May 2026) Change notice · 15 May 2026
Card image: HDFC Bank's own website.
