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Tata Neu Plus HDFC Bank Card
Tata Neu Plus is the entry point into HDFC's Tata co-brand lineup, earning 5% NeuCoins on Tata-ecosystem spend (BigBasket, Croma, Tata 1mg, Westside) and a 1% base rate elsewhere, with RuPay/UPI support extending rewards to everyday UPI payments too. At a ₹499 fee waived on just ₹1 lakh of annual spend, it's a low-commitment way to start earning inside the Tata ecosystem before stepping up to the Infinity variant.
Annual fee
₹499
Joining fee
₹499
Reward type
points
Base reward rate
1%
Card network
RuPay
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 700+ whose spend is concentrated in online shopping. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 1% base rate
- Domestic lounge access: 1 complimentary domestic lounge voucher per calendar quarter (up to 4 per year), unlocked on spends of ₹50,000 or more in that calendar quarter
Benefits by category
- ✈️ Travel
1 complimentary domestic lounge voucher per calendar quarter (up to 4 per year) on spends of ₹50,000 or more in the quarter
- 🛍️ Shopping
5% reward rate (capped ₹1,000/monthly)
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹25,000
- Employment: salaried, self-employed
- Age: 21–60
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹1,00,000
- Rewards redemption fee: NeuCoins redeem automatically as statement credit / Tata ecosystem spend at no charge
- Foreign currency markup: 3.5%
- Interest rate: 43.2% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waived on transactions between ₹400 and ₹1,00,000, capped at ₹250 per statement cycle
- Cash advance charges: 2.5% of the withdrawn amount or ₹500, whichever is higher; interest accrues from the date of withdrawal with no interest-free period
Benefits
- 499 NeuCoins credited (as reversal of first-year membership fee) on the first transaction within 30 days of card issuance
- 1 complimentary domestic lounge voucher per calendar quarter (up to 4 per year) on spends of ₹50,000 or more in the quarter
- NeuCoins redeem 1:1 with rupees across the Tata Neu ecosystem; RuPay network lets the card be linked to UPI apps, with up to 1% back as NeuCoins on eligible UPI spends
Pros
- + 5% NeuCoin rewards across the wide Tata retail and services ecosystem
- + NeuCoins redeem 1:1 for rupees with no confusing point-value tiers
- + RuPay/UPI support means everyday UPI payments also earn rewards, unlike most card-only products
- + Low ₹499 fee, easily waived on ₹1 lakh of yearly spend
- + One complimentary domestic lounge visit per quarter on ₹50,000 quarterly spend
- + Accessible eligibility bar suited to first-time or budget-conscious cardholders
Cons
- − Best value is concentrated in Tata-brand spend; general retail earns only the modest 1% base rate
- − Lounge access is limited to one domestic visit per quarter and needs ₹50,000 spend in that quarter; no international lounge or travel insurance at this entry tier
- − 3.5% forex markup makes it a weak choice for any international spending
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