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Key Features of HDFC Tata Neu Plus Credit Card
- Cashback Rewards:
- 5% Cashback on Partner Merchants: Earn 5% cashback (up to 1,000 CashPoints per month) on transactions with select online merchants, including:
- Amazon, Flipkart, Myntra, Swiggy, Zomato, Uber, BookMyShow, Cult.fit, Sony LIV, Tata CLiQ
- Note: Cashback is capped at ₹1,000 per calendar month, meaning a maximum spend of ₹20,000 across these merchants yields the full benefit. Non-EMI purchases qualify; gift/prepaid card loads and voucher purchases are excluded.
- 5% Cashback on Partner Merchants: Earn 5% cashback (up to 1,000 CashPoints per month) on transactions with select online merchants, including:
- 1% Cashback on Other Spends:
- Earn 1% cashback (up to 1,000 CashPoints per month) on all other eligible online and offline transactions, including EMI and wallet reloads, except for fuel, rent payments, government transactions, and certain excluded categories.
- SmartBuy Cashback:
- Earn up to 5% cashback (capped at ₹1,000 per month) on transactions via HDFC’s SmartBuy platform for the first 6 months post-card issuance, with a minimum transaction of ₹2,000. Post-initial period, regular cashback rates apply.

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Milestone Benefits:
- Quarterly Spend Rewards: Spend ₹1,00,000 or more in a calendar quarter to choose one of: A Dreamfolks airport lounge access voucher (1 complimentary visit). A ₹1,000 gift voucher from brands like Amazon, BigBasket, BookMyShow, Pizza Hut, PVR, Uber, Flipkart, KFC, Lifestyle, Pantaloons, or Ola. Vouchers must be claimed within 60 days of eligibility notification via SMS/web.
- Annual Fee Waiver: Spend ₹1,00,000 or more in a membership year to waive the ₹1,000 renewal fee (plus taxes).
- CashPoints Redemption:
- CashPoints are credited at the end of each statement cycle, not in real-time.
- Redeem against statement balance at 1 CashPoint = ₹1.
- Redeem for flights/hotels (up to 50% of booking value, rest via card limit) at 1 CashPoint = ₹0.30.
- Redeem for products/vouchers (up to 70% of value) at 1 CashPoint = ₹0.30.
- Minimum 500 CashPoints required for statement credit redemption.
- CashPoints are valid for 2 years from accumulation.
- Capping: Maximum 2,000 CashPoints per statement cycle (1,000 from 5% category, 1,000 from 1% category). Separate caps apply for SmartBuy cashback.
- Welcome Benefits:
- 1,000 CashPoints: Receive 1,000 CashPoints upon payment of the joining membership fee (₹1,000 + taxes), equivalent to the fee amount when redeemed against statement balance.
- Gift Voucher: Pay the joining fee to receive a gift voucher worth ₹1,000 (applicable only on membership fee payment).
- Lounge Access:
- Domestic Lounge Access: Up to 8 complimentary visits per calendar year (max 2 per quarter) to select domestic airport lounges in India, accessible via Mastercard, Visa, or Diners Club programs. A nominal ₹2 transaction is charged per lounge visit.
- Post-December 1, 2023, lounge access is tied to the quarterly spend milestone (₹1,00,000) and requires choosing the Dreamfolks voucher over the ₹1,000 gift voucher.
- Dining Benefits:
- Swiggy Dineout Discounts: Up to 20% discount on restaurant bills via Swiggy Dineout (over 20,000 restaurants) when paid through the Swiggy app.
- Instant ₹200 discount: Twice per month on a minimum order value of ₹2,000 via Swiggy Dineout.
- Good Food Trail Program: Access exclusive dining privileges at premium restaurants across major cities.
- Fuel Surcharge Waiver:
- 1% Waiver: On transactions between ₹400 and ₹5,000 at fuel stations across India. Max waiver ₹250 per statement cycle.
- Contactless Payments: Enabled for fast, secure contactless payments at retail outlets. Transactions up to ₹5,000 do not require a PIN; above ₹5,000, a PIN is mandatory.
- EMI Conversion: Convert large purchases into EMIs with tenures of 6 to 24 months at ~3.6% interest per month. EMI transactions are eligible for 1% cashback.
- Interest-Free Credit Period: Up to 50 days from the date of purchase, depending on merchant charge submission and billing cycle.
- Revolving Credit: Pay a minimum due and carry forward the balance at ~3.6% monthly interest.

- Milestone Benefits:
- Quarterly Spend Rewards: Spend ₹1,00,000 in a calendar quarter to choose either: A Dreamfolks lounge access voucher (1 complimentary domestic lounge visit).
- Annual Fee Waiver: Spend ₹1,00,000 in a membership year to waive the ₹1,000 renewal fee.
- Domestic Lounge Access: Up to 8 complimentary domestic airport lounge visits/year.
- Post-December 1, 2023: Access is linked to ₹1,00,000 quarterly spend milestone and selecting lounge voucher.
- Swiggy Dineout Offers: Up to 20% off at 20,000+ restaurants and ₹200 instant discount (twice/month) on minimum bill of ₹2,000.
- Good Food Trail Program: Premium dining benefits in top cities.
- Fuel Surcharge Waiver: 1% waiver on fuel transactions between ₹400–₹5,000 (max ₹250 per statement cycle).
- Contactless Convenience: Tap-to-pay for quick, secure checkouts. PIN-free for transactions up to ₹5,000.
- EMI and Interest-Free Credit: Convert large purchases into EMIs (6–24 months) at 3.6% monthly interest. 1% cashback on EMI spends. Up to 50 days of interest-free credit.
- Security and Support: Zero liability on lost/stolen cards if reported promptly. Chip-enabled with advanced encryption. 24/7 customer care support.
- SmartBuy Platform: Exclusive travel and shopping deals.
- Periodic Discounts: 10% instant discount on Amazon, Flipkart during partner sales.
- Revolving Credit: Option to pay minimum due and carry balance at 3.6% monthly interest.
- Airport Lounge Access: Access to participating domestic airport lounges in India, with a maximum of 1 visit per quarter (4 per calendar year). A nominal fee of ₹2 is charged per visit for Visa or RuPay variants.
- Note: International lounge access is not available (available with the Tata Neu Infinity variant).
- Benefit: Enhances travel comfort for domestic flyers, offering a premium experience at a low cost, ideal for frequent travelers.
- Fuel Surcharge Waiver: Applicable on fuel purchases between ₹400 and ₹5,000 at any fuel station in India. Maximum waiver capped at ₹250 per billing cycle. The waiver is credited to your card statement.
- Benefit: Saves on fuel expenses, especially for those who frequently drive, providing tangible cost reductions.
- Annual Fee Waiver: Fee Structure: Joining Fee: ₹499 + applicable taxes. Renewal Fee: ₹499 + applicable taxes, waived if you spend ₹1,00,000 or more in the previous anniversary year.
- Benefit: The low annual fee, combined with an achievable waiver threshold, makes the card cost-effective for moderate to high spenders.
- Contactless Payments: Enabled for contactless payments at retail outlets with tap-and-pay functionality. Transactions up to ₹5,000 in India do not require a PIN, while those above ₹5,000 need a PIN for security.
- Benefit: Offers fast, convenient, and secure payments, ideal for small, everyday transactions at stores, cafes, or supermarkets.
- Interest-Free Credit Period: Enjoy an interest-free credit period of up to 50 days from the date of purchase, provided the full statement balance is paid by the due date.
Note: Unpaid balances incur finance charges (up to 3.6% per month or 43.2% per annum, subject to change).
- Benefit: Allows flexible cash flow management, letting you defer payments without interest if managed responsibly.
- UPI Integration (RuPay Variant): Earn 1% NeuCoins on UPI transactions. From August 1, 2024, earn 0.25% NeuCoins on eligible UPI spends, with an additional 0.75% NeuCoins when using Tata Neu UPI ID.
- Benefit: Supports digital payments with rewards, making it convenient for users who prefer UPI for daily transactions like bills, groceries, or online purchases.
- NeuCoin Redemption Flexibility:
- Redemption Options: Redeem NeuCoins via the Tata Neu app or website for purchases across partner brands, including:
- Travel: Air India, AirAsia India, IHCL hotels (Taj, Vivanta, SeleQtions).
- Shopping: BigBasket, Croma, Westside, Tata CLiQ, Tata CLiQ Luxury, Tanishq.
- Health & Fitness: Tata 1MG, cult.fit.
- Dining: Qmin.
- Process: Select Tata Pay/NeuCoins/Loyalty Redemption as the payment method during checkout.
- Offline Redemption: Available at select partner stores (refer to Tata Neu FAQs). NeuCoins are transferred to your Tata Neu account within 7 working days of statement generation.
- Benefit: Wide redemption options across diverse categories provide flexibility, catering to travel, shopping, health, and dining needs.
- Zero Lost Card Liability: Protection Against Fraud: In case of card loss or theft, report immediately to HDFC Bank’s 24-hour customer care ( 8885545255).
You have zero liability for fraudulent transactions after reporting, provided you notify the bank promptly.
Frequently Asked Questions
1. What is the HDFC Tata Neu Plus Credit Card?
The HDFC Tata Neu Plus Credit Card is a co-branded credit card by HDFC Bank and Tata Neu, designed for shoppers and travelers. It offers NeuCoins (1 NeuCoin = ₹1) on spends, with higher rewards (up to 7% value back) on Tata Neu and partner brands like BigBasket, Croma, Westside, and Air India, plus benefits like domestic lounge access and fuel surcharge waivers.
2. Who is eligible to apply for the card?
Eligibility:
- Indian residents
- Age: 21-60 (salaried) or 21-65 (self-employed)
- Salaried: Minimum monthly income of ₹25,000
- Self-employed: Minimum annual ITR of ₹6,00,000
- Credit Score: Preferably 700+
- Stable employment/business (6 months salaried or 1–2 years self-employed)
- Indian residents
- Age: 21-60 (salaried) or 21-65 (self-employed)
- Salaried: Minimum monthly income of ₹25,000
- Self-employed: Minimum annual ITR of ₹6,00,000
- Credit Score: Preferably 700+
- Stable employment/business (6 months salaried or 1–2 years self-employed)
3. What documents are required to apply?
Identity Proof: PAN Card (mandatory), Aadhaar, passport, Voter ID, or driving license
Address Proof: Aadhaar, passport, utility bill (last 3 months), rental agreement, or bank statement
Income Proof:
- Salaried: 3 months’ salary slips, Form 16, bank statement (salary credits)
- Self-employed: Latest ITR (₹6,00,000+), audited financials (2 years), business proof (GST certificate, shop license)
Photograph: Recent passport-sized photo (for in-person applications)
Address Proof: Aadhaar, passport, utility bill (last 3 months), rental agreement, or bank statement
Income Proof:
- Salaried: 3 months’ salary slips, Form 16, bank statement (salary credits)
- Self-employed: Latest ITR (₹6,00,000+), audited financials (2 years), business proof (GST certificate, shop license)
Photograph: Recent passport-sized photo (for in-person applications)
4. How can I apply for the card?
HDFC Bank Website: Visit www.hdfcbank.com, select “Tata Neu Plus Credit Card,” and apply with your documents.
Tata Neu App: Log in, go to “Finance” > “Credit Cards,” and apply.
HDFC Branch: Submit the application form and documents in person.
Track Application: Online or via customer care (1800 202 6161)
Tata Neu App: Log in, go to “Finance” > “Credit Cards,” and apply.
HDFC Branch: Submit the application form and documents in person.
Track Application: Online or via customer care (1800 202 6161)
5. What is the joining and annual fee for the card?
Joining Fee: ₹499 + GST
Annual Fee: ₹499 + GST (waived on ₹1,00,000 annual spend)
Welcome Benefit: 499 NeuCoins on first transaction within 30 days (not applicable for Lifetime Free variants)
Annual Fee: ₹499 + GST (waived on ₹1,00,000 annual spend)
Welcome Benefit: 499 NeuCoins on first transaction within 30 days (not applicable for Lifetime Free variants)
6. What is the credit limit for the card?
The credit limit varies from ₹50,000 to ₹5,00,000 based on income, credit score, and financial profile. A higher score (750+) and stable income may lead to a higher limit.
7. How long does it take to get the card after applying?
Processing: 5–10 working days (verification + credit check)
Dispatch: 7–10 working days post-approval
Total: 10–21 days (subject to complete documentation and verification)
Dispatch: 7–10 working days post-approval
Total: 10–21 days (subject to complete documentation and verification)
8. What are NeuCoins, and how are they earned?
NeuCoins are reward points (1 NeuCoin = ₹1).
Earn Rates:
- 2% on non-EMI spends at Tata Neu/partner brands (e.g., BigBasket, Croma, Westside)
- Additional 5% on Tata Neu app/website spends with NeuPass
- 1% on other spends, merchant EMI, and UPI (capped at 500 NeuCoins/month; revised to 0.25% + 0.75% from Aug 1, 2024)
Exclusions: No NeuCoins on fuel, rent, government payments, wallets, cash advances, or EMI spends
Grocery Cap: 1,000 NeuCoins/month
Earn Rates:
- 2% on non-EMI spends at Tata Neu/partner brands (e.g., BigBasket, Croma, Westside)
- Additional 5% on Tata Neu app/website spends with NeuPass
- 1% on other spends, merchant EMI, and UPI (capped at 500 NeuCoins/month; revised to 0.25% + 0.75% from Aug 1, 2024)
Exclusions: No NeuCoins on fuel, rent, government payments, wallets, cash advances, or EMI spends
Grocery Cap: 1,000 NeuCoins/month
9. How can I redeem NeuCoins?
Where: Redeem via Tata Neu app/website across Air India, Croma, BigBasket, Westside, etc.
How: At checkout, choose “Tata Pay/NeuCoins/Loyalty Redemption”
Offline Redemption: Available at select partner stores
Credit & Validity: NeuCoins are credited within 7 working days of statement generation and expire 365 days after last use
How: At checkout, choose “Tata Pay/NeuCoins/Loyalty Redemption”
Offline Redemption: Available at select partner stores
Credit & Validity: NeuCoins are credited within 7 working days of statement generation and expire 365 days after last use
10. What is NeuPass, and how does it benefit me?
NeuPass is a Tata Neu loyalty program. Once linked to your HDFC Tata Neu Plus Credit Card and registered number, it offers an additional 5% NeuCoins on select app/website spends (effective Jan 15, 2025), raising total rewards to 7% value back.
List of HDFC Bengaluru Branches
- Bengaluru (Jayanagar)
- Bengaluru (Kalyan Nagar)
- Bengaluru (Kasturba Gandhi Marg)
- Bengaluru (Koramangala)
- Bengaluru (Marathahalli)
- Bengaluru (R.T. Nagar)
- Bengaluru (Residency Road)
- Bengaluru (Sahakar Nagar)
- Bengaluru (Sarjapur Road)
- Bengaluru (Whitefield)
- Bengaluru (Yelahanka)
- Bengaluru (Electronic City)
- Bengaluru (HSR Layout)
- Bengaluru (Malleshwaram)
- Bengaluru (Rajajinagar)
- Bengaluru (Basaveshwaranagar)
- Bengaluru (Kaggadaspura)
- Bengaluru (Kanakapura Road)
- Bengaluru (Kengeri)
- Bengaluru (Kothanur)