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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.
  • 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.
Credit Card Promotion
  • 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.
Who We Are

Benefits of HDFC Tata Neu Plus Credit Card

  • Welcome Benefits:
    • 1,000 CashPoints: Earned on payment of joining fee (₹1,000 + taxes); can be redeemed against statement balance.
    • ₹1,000 Gift Voucher: Choose from top brands like Amazon, Flipkart, etc., upon fee payment.
    • Total Value: ₹2,000 in welcome benefits.
  • Generous Cashback Rewards:
    • 5% Cashback on Partner Merchants: Earn up to 1,000 CashPoints/month on Amazon, Flipkart, Myntra, Swiggy, Zomato, Uber, BookMyShow, Cult.fit, Sony LIV, Tata CLiQ.
    • 1% Cashback on Other Spends: Earn up to 1,000 CashPoints/month on eligible transactions, including EMI and wallet reloads (excluding fuel, rent, government services).
      • 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.

Steps to Apply for HDFC Tata Neu Plus Credit Card

  • 1. Online Application via HDFC Bank Website:
    • Step 1: Visit HDFC Bank Website
      Go to the official HDFC Bank website (www.hdfcbank.com), navigate to the “Credit Cards” section under “Personal Banking,” and select “Tata Neu Plus HDFC Bank Credit Card.”
    • Step 2: Start Application
      Click the “Apply Now” or “Apply Online” button to begin the application process.
    • Step 3: Fill Personal and Employment Details
      Provide your full name, mobile number, email ID, city of residence, employment details, and PAN number for KYC verification.
    • Step 4: Submit Income and Address Details
      Enter your income details and provide your current residential and office addresses.
    • Step 5: Upload Documents
      Upload scanned copies or photos of identity proof, address proof, income proof, and PAN card. Ensure that the files are within the size limit (typically 5 MB).
    • Step 6: Consent and Verification
      Agree to the terms and conditions and consent to credit score checks by CIBIL or other credit bureaus.
    • Step 7: Review and Submit
      Verify all entered details and submitted documents, then submit the application.
    • Step 8: Track Application
      After submission, you will receive a reference number. Track your application status using the reference number on the HDFC Bank website.
    • Step 9: Verification & Card Delivery
      HDFC Bank may conduct tele-verification or physical verification. Upon approval, your card will be delivered to your registered address within 7–10 working days.
  • 2. Apply via Tata Neu App:
    • Step 1: Download and Log In
      Download the Tata Neu app from the Google Play Store or Apple App Store. Log in with your registered mobile number or create an account if you don't have one.
    • Step 2: Select Tata Neu Plus Credit Card
      Go to the “Finance” or “Money” tab in the app, select “Credit Cards,” and choose the “Tata Neu Plus HDFC Bank Credit Card.”
    • Step 3: Complete Application Form
      Enter personal details such as your name, mobile number, email, PAN number, and income. Also, link your Tata Neu account for NeuCoins redemption.
    • Step 4: Upload Documents
      Upload digital copies of your identity proof, address proof, income proof, and PAN card directly in the app.
    • Step 5: Submit Application
      Review your information and submit your application. You will receive a confirmation message and an Application Reference Number.
    • Step 6: Verification & Approval
      HDFC Bank may verify your details via tele-verification or physical verification. Track your application status in the app or on the HDFC Bank website.
  • 3. Apply In-Person at an HDFC Bank Branch:
    • Step 1: Locate an HDFC Bank Branch
      Visit your nearest HDFC Bank branch. You can use the branch locator on the HDFC website to find the nearest branch.
    • Step 2: Request Application Form
      Ask for the Tata Neu Plus Credit Card application form at the customer service desk or request assistance from a bank representative.
    • Step 3: Fill Out the Application Form
      Provide personal details like your name, contact number, email, PAN, date of birth, address, and employment details.
    • Step 4: Submit Documents
      Submit photocopies of required documents (identity proof, address proof, income proof, PAN card, and a photograph). Originals will be verified and returned.
    • Step 5: Verification
      The bank representative will verify your details and documents. You may be contacted for tele-verification or physical verification.
    • Step 6: Application Submission
      After completing the form and submitting the documents, you will receive an Application Reference Number.
    • Step 7: Track Application
      Use the reference number to track the status of your application either online or by contacting the branch.

Eligibility Criteria for HDFC Tata Neu Plus Credit Card

  • Age:
    • Salaried Individuals: 21 to 60 years of age
    • Self-Employed Individuals: 21 to 65 years of age
  • Nationality:
    • Must be a resident Indian citizen
    • NRIs and foreign nationals are not eligible
  • Income:
    • Salaried Individuals: Minimum monthly income of ₹25,000
    • Self-Employed Individuals: Minimum annual ITR of ₹6,00,000
  • Credit Score:
    • A credit score of 700 or above is recommended
    • Applicants with no credit history may be considered based on income and employment stability
    • Negative credit records (e.g., defaults, missed payments) may result in rejection
  • Employment/Business Stability:
    • Salaried: Minimum 6–12 months of continuous employment with a reputed organization
    • Self-Employed: Stable business with minimum 1–2 years of operations and valid registration
  • Existing Relationship with HDFC Bank (Optional):
    • Having an HDFC savings account, fixed deposit, or loan can improve approval chances
  • Tata Neu Account (Recommended):
    • A registered Tata Neu account with a linked mobile number is required to earn and redeem NeuCoins
    • Creating a Tata Neu account during or before application is encouraged
  • Residential Status:
    • Must have a verifiable permanent residential address in India
    • Card is available in select cities serviced by HDFC Bank
  • Documents Required:
    • Valid identity proof (e.g., Aadhaar, PAN, Passport)
    • Valid address proof (e.g., utility bill, rent agreement)
    • Income proof (e.g., salary slips, bank statements, ITR)
  • Other Factors:
    • Applicants must meet HDFC Bank’s internal underwriting standards
  • Stable Employment or Business:
    • For salaried individuals, minimum 6 months of continuous employment with the same employer is preferred.
    • For self-employed, a stable business model with profitable records for at least 1 year is ideal.
  • Previous Credit Card Experience (Optional):
    • Having a history of handling previous credit cards responsibly can improve the approval chances.
    • Applicants with a history of good credit card payments and a clean record will have an advantage.
  • Debt-to-Income Ratio:
    • A low debt-to-income ratio is preferred to ensure the applicant has enough disposable income for the credit card payments.
  • Minors:
    • Applicants under 21 or above 65 years of age are not eligible for this card.
  • Financial Stability:
    • The applicant must have stable financial conditions and be able to show financial documentation if required.
  • Residential Tenure:
    • The applicant must have stayed at their current residential address for a minimum of 1 year.
  • Existing HDFC Bank Loans:
    • Applicants with any existing loans or credit cards from HDFC Bank must have a good repayment record to apply for the card.
  • Other Active Credit Lines:
    • Applicants with too many active credit lines or unsecured loans may face rejection.
  • Age Limit for Joint Applications:
    • The age limit for joint applications is the same as for individual applications (21 to 60 years for salaried and 21 to 65 years for self-employed).
  • Geographical Availability:
    • The card is available for individuals residing in cities serviced by HDFC Bank only.

Documents Required for HDFC Tata Neu Plus Credit Card

  • Identity Proof (Any one of the following):
    PAN Card (mandatory for all applicants)
    Aadhaar Card
    Passport
    Voter ID
    Driving License
    Government-Issued Photo ID (e.g., NREGA Job Card)
  • Address Proof (Any one of the following):
    Aadhaar Card
    Passport
    Utility Bill (electricity, water, gas, phone; not older than 3 months)
    Ration Card
    Rental Agreement (registered, valid)
    Bank Statement (not older than 3 months)
    Voter ID
    Driving License
  • Income Proof:
    For Salaried Applicants:
    Latest 3 months’ salary slips
    Recent bank statement (3 months) showing salary credits
    Form 16 (previous financial year)
    For Self-Employed Applicants:
    Latest Income Tax Return (ITR) showing ₹6,00,000+ annual income
    Audited financial statements (Profit & Loss Statement, Balance Sheet)
    Business Proof (e.g., GST registration, shop license, MOA, partnership deed)
    Bank statements (3–6 months) showing business income
  • Additional Documents:
    One recent passport-sized photograph
    Duly filled and signed credit card application form (for offline application)
    Tata Neu registered mobile number (optional but recommended for NeuCoins benefits)
    Existing HDFC account/customer ID (optional; improves approval chances)
  • PAN Card:
    Mandatory for all applicants for KYC and credit evaluation
  • Note:
    Ensure documents are legible, match application form details, and are under 5MB if uploading online (PDF/JPEG/PNG formats).
    HDFC may request additional proof during verification such as appointment letters or GST filings.

Factors for HDFC Tata Neu Plus Credit Card

  • Nationality:
    Must be a resident of India. NRIs or foreign nationals are not eligible.
    This ensures compliance with RBI regulations.
  • Age:
    Salaried: 21 to 60 years.
    Self-Employed: 21 to 65 years.
    Applicants outside this range are typically not considered.
  • Income Level:
    Salaried: Minimum monthly income of ₹25,000.
    Self-Employed: Minimum annual ITR of ₹6,00,000.
    Higher income can lead to better approval chances and a higher credit limit.
  • Credit Score and History:
    Preferred credit score: 700+, ideally 750+.
    Clean credit history with no recent defaults improves approval odds.
    Excessive recent credit inquiries may negatively impact approval.
  • Employment/Business Stability:
    Salaried: Minimum 6–12 months with current employer.
    Self-Employed: At least 1–2 years in business, verified via ITR or business docs.
  • Documentation:
    Identity: PAN (mandatory), Aadhaar, Passport, Voter ID, Driving License.
    Address: Aadhaar, Passport, Utility Bill (last 3 months), Rental Agreement.
    Income: Salary slips, Form 16, Bank Statements; ITR, Audited Financials (Self-Employed).
    Incomplete or mismatched documentation may result in delays or rejection.
  • Debt-to-Income Ratio (DTI):
    Preferred DTI: Below 40–50%.
    Higher ratios may reduce the likelihood of approval.
  • Existing Relationship with HDFC Bank:
    Having an HDFC account, FD, or previous credit card improves approval chances.
    May qualify for pre-approved offers or simplified application processing.
  • Verification Process:
    Tele-verification and physical address verification are standard.
    Unreachable contact numbers or unverifiable addresses may result in rejection.
  • Overall Risk Profile:
    HDFC evaluates credit score, income, debts, job stability, and banking history.
    Low-risk applicants are more likely to receive higher limits and fast approval.

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)
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)
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)
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)
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)
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
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
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)