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HDFC Bank · Visa / RuPay · हिन्दी

Tata Neu Plus HDFC Credit Card: full review

The Tata Neu Plus is the best card for anyone spending regularly across the Tata ecosystem, BigBasket, Croma, Westside, Tata 1mg. The 7% return with NeuPass at ₹499 fee is exceptional value. If you don't shop on Tata platforms, the 1% base rate makes it unattractive.

Apply now ↗Annual fee: ₹499 + taxes
Last updated: October 2026 · Current terms verified
HDFC BANK
VISA
)))
TATA NEU PLUS
ASHOK KUMAR
12/28
₹499 + taxes (waived on ₹1,00,000/year spend)Annual fee
7% NeuCoins on Tata Neu (2% base + 5% with NeuPass); 1% on all other spendsReward structure
4 domestic visits/year (on ₹50,000/quarter spend)Lounge access

Key benefits of the Tata Neu Plus HDFC Credit Card

2% NeuCoins on all non-EMI spends at Tata Neu and partner brands (BigBasket, Croma, Westside, Tata 1mg, Tata CLiQ)Additional 5% NeuCoins on Tata Neu app/website with NeuPass membership (7% combined)1% NeuCoins on all other non-Tata spends1 NeuCoin = ₹1 redeemable across Tata Neu ecosystem4 domestic lounge visits/year on ₹50,000/quarter spendAnnual fee waived on ₹1L/year spend
Apply now ↗ Min. income: ₹25,000/month (salaried) · Credit score: 700+
Pros and cons
Pros
✓ 7% effective return on Tata Neu is class-leading for the fee tier
✓ 1 NeuCoin = ₹1, best redemption ratio among co-branded cards
✓ Covers a massive ecosystem: grocery, electronics, fashion, pharma, dining
✓ Fee easily waived at ₹1L/year
Cons
✗ Value locked to Tata ecosystem, poor for non-Tata spends
✗ NeuCoins expire after 12 months if not used
✗ Grocery NeuCoins capped at 1,000/month
✗ Lounge requires ₹50,000/quarter spend
Quick facts
Issuer HDFC Bank
Network Visa / RuPay
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹499 + taxes (waived on ₹1,00,000/year spend)
Joining feeA one-time fee charged when you first get the card, separate from the recurring annual fee.Full definition → ₹499
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → 4 domestic visits/year (on ₹50,000/quarter spend)
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.5%
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹25,000/month (salaried)
Min. credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 700+
SourceHDFC Bank's published card terms and official card page · Last updated October 2026
Recent updates

Corrected how we count dining, online shopping and grocery: the higher rate only applies to Tata Neu and its partner brands, but our maths applied it to all dining, online shopping and grocery spend. These now earn the card's normal 1%; the higher rate is still listed in the card's rewards.

Dining rate in our maths2% on all dining1%
Online shopping rate in our maths1.5% on all online shopping1%
Grocery rate in our maths1.5% on all grocery1%
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Frequently asked questions
The annual fee for Tata Neu Plus HDFC Credit Card is ₹499 + taxes (waived on ₹1,00,000/year spend). The joining fee is ₹499.
The main benefits of the Tata Neu Plus HDFC Credit Card are: 2% NeuCoins on all non-EMI spends at Tata Neu and partner brands (BigBasket, Croma, Westside, Tata 1mg, Tata CLiQ); Additional 5% NeuCoins on Tata Neu app/website with NeuPass membership (7% combined); 1% NeuCoins on all other non-Tata spends; 1 NeuCoin = ₹1 redeemable across Tata Neu ecosystem; 4 domestic lounge visits/year on ₹50,000/quarter spend; Annual fee waived on ₹1L/year spend.
7% NeuCoins on Tata Neu (2% base + 5% with NeuPass); 1% on all other spends
Tata Neu Plus HDFC Credit Card is best for Tata ecosystem shoppers, BigBasket, Croma, Westside, Tata 1mg. The Tata Neu Plus is the best card for anyone spending regularly across the Tata ecosystem, BigBasket, Croma, Westside, Tata 1mg. The 7% return with NeuPass at ₹499 fee is exceptional value. If you don't shop on Tata platforms, the 1% base rate makes it unattractive.
The minimum income requirement for Tata Neu Plus HDFC Credit Card is ₹25,000/month (salaried). A minimum credit score of 700+ is also recommended.
Yes, Tata Neu Plus HDFC Credit Card offers 4 domestic visits/year (on ₹50,000/quarter spend).
Tata Neu Plus HDFC Credit Card charges a 3.5% foreign currency markup on international transactions. This is in line with the standard 3.5% charged by most Indian credit cards.
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Best Dining Credit Cards →Best Shopping Credit Cards →Best Credit Cards for Swiggy and Zomato →Best Credit Cards for Grocery Shopping →Best Credit Cards for Amazon and Flipkart →
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Tata Neu Plus HDFC₹499 + taxes
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