HDFC Bank Tata Neu Plus Credit Card
RuPayHDFC Tata Neu Plus Credit Card earns NeuCoins on all Tata brands (BigBasket, 1mg, Tata Play, Air Asia India) and everyday spends.
Welcome Benefit
499 NeuCoins on payment of joining fee.
Estimated value: ₹499
Condition: Welcome benefit is credited within 30–45 days of first transaction or after spending ₹500 within 90 days of card issuance.
Fees & Charges
Rewards & Earn Rates
Program: HDFC Reward Points (SmartBuy) (cashback) · 1 point = ₹0.5
| Category | Earn Rate |
|---|---|
| All Other Spends | 1% NeuCoins on all other spends |
| Tata Neu Partner Brands | 2% NeuCoins on BigBasket, 1mg, Tata Play, AirAsia India, Westside, Croma, Taj Hotels, Starbucks |
Monthly cashback capped as per category. Overall monthly cap ₹1,000.
Points expire after 36 months
Milestone Benefits
Annual fee of ₹499 is reversed on spending ₹1,00,000 or more in the preceding year.
Value: ₹499
Spend calculated from card anniversary date. All eligible transactions counted.
Lounge Access
4 complimentary domestic lounge visits per year via Dreamfolks.
Lifestyle Benefits
E-commerce Partner Offers
Exclusive discounts and cashback offers on partner e-commerce platforms (Flipkart, Amazon, Myntra, Nykaa etc.) throughout the year.
via Flipkart / Amazon / Myntra
Value: ₹1,200
Insurance Cover
lost_card_liability
In case of card loss or theft, you are not liable for any fraudulent transactions if you report the incident to the bank immediately. Zero liability protection applies 7 days prior to reporting.
Zero liability on fraudulent transactions reported within 7 days
Zero LiabilityForex & Fuel
Foreign currency markup of 3.5% is levied on all international transactions. DCC charges of 1% apply when merchant opts to charge in INR.
Eligibility
Salaried: Minimum ₹25,000 per month. Self-employed: ₹6,00,000+ p.a. Age: 21–60 years.
Editor Rating
Pros
- + No points conversion – direct cashback
- + Simple and transparent earning structure
- + Wide partner acceptance
Cons
- – Monthly cashback cap limits earnings for high spenders
- – Benefit may reduce over time with offer changes
The HDFC Bank Tata Neu Plus Credit Card is a entry-level credit card from HDFC Bank offering direct cashback on everyday spends. At ₹499/year, the card is easily justified through fee waivers and regular usage benefits.