- Joining fee
₹499 + GST
- Annual fee
₹499 + GST
- Best suited for
Shopping
- Reward type
NeuCoins
Rewards
- Rewards rate
2% & 1% cashback in the form of NeuCoins while shopping on Tata and non-Tata Brands respectively. Additional 5% back as NeuCoins on the Tata Neu app or website.
- Welcome benefits
499 NeuCoins
- Reward redemption
NeuCoins Can Be Redeemed on the Tata Neu App/Website or on Partner Tata Brands
Benefits
- Domestic lounge
4 Free Lounge Visits on Spends of ₹50,000 or More in a Quarter
Fees & charges
- Spend-based waiver
Renewal Charges Waived on Spends of ₹1 Lakh or More
- Foreign currency markup
3.5%
- Interest rates
3.75% per month (45% annually)
- Fuel surcharge waiver
1% of the fuel surcharge will be waived off on fuel transactions.
- Cash advance charges
2.5% of the Amount Withdrawn or ₹500, Whichever is Higher
Product highlights
- 499 NeuCoins in the form of a welcome benefit.
- 2% back as NeuCoins while shopping at Tata brands.
- 1% back as NeuCoins while shopping at Non-Tata brands.
- Additional 5% back as NeuCoins on the Tata Neu app or website after registering for Tata NeuPass
- Complimentary access to domestic airport lounges.
- 1% surcharge waiver on fuel transactions up to Rs. 250 per month.
- Spend-based waiver of renewal fee.
Pros & cons
Pros
- Make a transaction within the first 30 days of card issuance and enjoy 499 NeuCoins as a welcome benefit.
- Waive off the renewal fees with a spend of ₹1,00,000 in a calendar year.
- Save big on purchases from Tata Brands like Tanishq and cult.fit with the Tata New Plus HDFC Card, whether you’re a fitness enthusiast or shopping for jewellery.
Cons
- This one is a big disappointment for travellers as there is no international lounge access.
- One major con of the Tata Neu Plus HDFC Bank Credit Card is that it provides no movie or dining benefits.
- The NeuCoins are only valid for a period of 365 days.
FAQs
Can you earn NeuCoins only while shopping on Tata Brands?
No, NeuCoins can be earned both while you shop for Tata and Non-Tata brands.
Do you get any fuel surcharge waiver with this credit card?
Yes, you get a fuel surcharge waiver of 1% on all fuel transactions between Rs. 400 and Rs. 4,000 at all fuel stations in India. The surcharge amount is capped at Rs. 250 per billing cycle.
Do you get any lounge access with this credit card?
Yes, this credit card gives you four complimentary domestic lounge accesses per calendar year. However, access is limited to one visit per quarter.
How can you redeem NeuCoins?
The NeuCoins can be redeemed while making purchases on the Tata Neu Website or Application for specific Tata brands.
What is the joining fee on this credit card?
The credit cardholders will have to pay a joining fee of Rs. 499 + Taxes on this credit card.
Is the renewal fee eligible for a waiver?
Yes, the renewal fee of Rs. 499 of the Tata Neu Plus HDFC Bank Credit Card can be waived if the cardholder spends Rs. 1 Lakh or more using his credit card in an anniversary year.