Tata Neu Plus HDFC Bank Credit Card

The Tata Neu Plus HDFC Bank Credit Card is India's best credit card for shopping and everyday rewards. Enter the world of rewards and savings, powered by RuPay/Visa. Unlock savings of up to 10% and exclusive offers across fashion, groceries, electronics, medicines, flights and much more. Travel in style with complimentary airport lounge access plus exclusive offers on hotel stays and dining. 

Overview 

• Extraordinary Rewards: Experience ultimate rewards with the Tata Neu Plus HDFC Bank Credit Card. Get up to 5% NeuCoins on Tata Neu (inclusive of 5% NeuCoins with NeuPass Membership on select categories). 

• Up to 10% Savings: With a NeuPass membership, enjoy total savings of up to 10% on the Tata Neu app. 

• Transparent Rewards System: Benefit from the most transparent rewards system, where 1 NeuCoin equals 1 Rupee. 

• Partner Tata Brands Rewards: Earn 2% NeuCoins rewards at partner Tata brands (online and at stores), including AirAsia, BigBasket, Croma, Tata Cliq, Tata 1mg, Tata Play, Titan, Tanishq, WestSide, IHCL (Taj, SelecQtions, Vivanta, Ginger), Cultfit/Curefit/cure.fit, Zudio, Qmin, Mia, Fastrack, Caratlane, Tata Cliq Luxury, Helios, Zoya, and Air India. 

• Bill Payment Rewards: Enjoy 1.5% NeuCoins rewards on every bill payment via Tata Neu. 

• UPI Rewards: With the RuPay variant, earn up to 1% back as NeuCoins on UPI spends (0.25% posted to your card account by the bank and an additional 0.75% back on Tata Neu UPI ID payments). 

• Wide Acceptance: Available on RuPay & Visa Networks – use your card with a wide variety of merchants and services. 

Rewards and Benefits 

Earning NeuCoins 

What are NeuCoins? 1 NeuCoin = ₹1 redeemable on the Tata Neu app. The Tata Neu Plus HDFC Bank Credit Card offers the most transparent rewards structure in India. 

2% NeuCoins on Partner Tata Brands 

• Earn 2% back as NeuCoins on non-EMI spends on Tata Neu and partner Tata brands (online and at stores). 

• Partner brands include AirAsia, BigBasket, Croma, Tata Cliq, Tata 1mg, Tata Play, Titan, Tanishq, WestSide, IHCL (Taj, SelecQtions, Vivanta, and Ginger), Cultfit/Curefit/cure. fit, Zudio, Qmin, Mia, Fastrack, Caratlane, Tata Cliq Luxury, Helios, Zoya, and Air India. 

• EMI spent on these merchants will earn 1% back as NeuCoins. 

Earn an Additional 5% NeuCoins via NeuPass on Tata Neu 

• Earn an additional 5% back as NeuCoins on selected categories on the Tata Neu App/Website, post downloading the Tata Neu App and registering for NeuPass. 

• W.e.f 15-Jan-25, this benefit will be applicable for transactions done only via the Primary Card Holder Mobile Number Account (as per credit card application) on Tata Neu using the Tata Neu Plus HDFC Bank Credit Card. 

• Currently, Bill Payment (Tata Pay), Tanishq, Cult. fit, Air India, and Tata Play spends are not eligible for an additional 5% NeuCoins via NeuPass Membership. 

1% NeuCoins on UPI Spends (RuPay Cards) 

• Earn 1% back as NeuCoins on UPI spends (including spends on partner Tata Brands). 

• W.e.f. 01-Aug-24, earn up to 1% back as NeuCoins on eligible UPI spends: 

• Earn 0.25% back as NeuCoins on eligible UPI spends, posted to your card account by the Bank. 

• Earn an additional 0.75% back as NeuCoins on UPI payments by using Tata Neu UPI ID (posted directly to your Tata Neu Account). 

• Total NeuCoins earned on all UPI payments are capped at 500 NeuCoins per calendar month. 

1% NeuCoins on Other Spends 

• Earn 1% back as NeuCoins on non-Tata brand spends and any merchant EMI spends. 

NeuCoins Caps and Limits 

With effect from 1st January 2023: 

1. Rental and government-related transactions will not earn NeuCoins. Till 31st Dec 2022, NeuCoins earned on property management services, including rent, had a maximum capping of 500 per month. 

2. NeuCoins earned on grocery transactions will be capped at 1,000 per month for the Tata Neu Plus HDFC Bank Credit Card. 

With effect from 1st September 2024: 

1. NeuCoins earned on utility transactions will be capped at 2,000 NeuCoins per calendar month. 

2. NeuCoins earned on telecom & cable transactions will be capped at 2,000 NeuCoins per calendar month. 

3. Education payments made through third-party apps like (but not limited to) CRED, Cheq, MobiKwik, and others will NOT earn NeuCoins. However, education payments made directly through college/school websites or their POS machines will earn NeuCoins. 

With effect from 1st July 2025: 

1. No NeuCoins will be earned on online skill-based gaming transactions (MCC-5816). 

2. NeuCoins accrued for insurance transactions will have a maximum capping of 2,000 per month instead of 2,000 per day. 

Redeeming NeuCoins 

You can use your NeuCoins for purchases on the Tata Neu app/website for brands like: 

• Air India Express 

• BigBasket 

• Croma, Westside 

• Tata CLiQ, Tata CLiQ Luxury 

• Hotel Bookings/Purchases on IHCL 

• TATA 1MG 

• Qmin 

• Titan and Tanishq (only via Tata Neu) 

Redemption Process: You can use your NeuCoins by selecting Tata Pay/NeuCoins/Loyalty Redemption as the payment method. NeuCoins can only be used on eligible transactions as defined by the individual brands. For offline redemption of NeuCoins at selected stores, refer to FAQs. 

Note: 

• The NeuCoins redemption option is not available on Air India, Tata Play, or Bill Payment on Tata Neu. 

• Your monthly statement will give a breakdown of NeuCoins as follows: 

• NeuCoins accrued and available with the Bank 

• NeuCoins transferred to Tata Neu during the Statement Cycle 

• Periodically (within 7 working days of the statement generation), the NeuCoins will be transferred to Tata Neu by the bank. NeuCoins transferred to Tata Neu will be available for redemption on the Tata Neu app. 

NeuCoins Validity 

Starting 01-Aug-25: NeuCoins earned on your Tata Neu Plus HDFC Bank Credit Card will have a validity of 12 months (including lock period) from the end of the month in which they're credited to your Tata Neu Account. 

Example: 

• If NeuCoins are credited on 05-Aug-25, they will be valid until 31-Aug-26. 

• If NeuCoins are credited on 31-Aug-25, they will be valid until 31-Aug-26. 

Validity of Existing NeuCoins Balance: 

• Non-Promotional NeuCoins: The validity of your existing balance of Non-Promotional NeuCoins (earned before 01-Aug-25) will be set as 31-Jul-26 in your Tata Neu Account. This activity will start from Jul'25 and will be completed by Aug'25 in a phased manner. 

• Promotional NeuCoins/Welcome Benefit: NeuCoins earned during special promotions or as a Welcome Benefit will continue to follow the expiry terms communicated at the time of issuance. The validity of the NeuCoins given against the Welcome Benefit will be 365 days from the claim date. 

Welcome Benefit 

• 499 NeuCoins: Get 499 NeuCoins on the Tata Neu App (as a reversal of 1st year membership fees). 

• Eligibility: Applicable on the 1st transaction done within 30 days of card issuance and will be available to claim inside the Tata Neu App within 60 days of such transaction. 

• Claim Period: For eligible customers, the option to claim the Welcome Benefit will be available inside the Tata Neu app for 180 days from the statement date of the eligible transaction. 

Note: Welcome Benefit does not apply to Lifetime Free and First Year Free Cards. 

Domestic Airport Lounge Access 

From 10-Jun-2025 onwards (milestone-based): 

• The domestic lounge access benefit will be milestone-based and can be availed as a lounge voucher on spends of ₹50,000 or more in a calendar quarter. 

• You can access 1 Complimentary Domestic Lounge Voucher per calendar quarter (up to 4 per calendar year). 

• Access to the lounge benefit upon qualification will be via Lounge Voucher and not via direct swipe of a credit card at the lounge. 

• Upon qualifying for the benefit, you will receive an SMS and Email intimating you about the qualification. 

• Visit the link received in the SMS/email, log in using your bank-registered mobile number, and claim your lounge voucher within 120 days of qualification. 

• Once you have claimed the voucher, you can use the voucher in the eligible lounge list within 180 days of issuance of the voucher. 

• To check the spends and qualification status in the current calendar quarter, log in to HDFC Bank Netbanking/Mobilebanking app > Go to Credit Card Section > Select Tata Neu Plus HDFC Bank Credit Card > Click on Redeem Reward Points > In Rewards Portal, Go to MyReward > Spend Promo Details. 

Note: If your card is upgraded, lost, or reissued, spending on only the new card will be considered. Spending on the previous card will not be considered for qualification. 

Till 09-Jun-2025: 

• 4 complimentary domestic lounge accesses per calendar year (1 in a quarter). 

• ₹2 (VISA / RuPay) will be charged to the credit card for the Lounge Access. 

Fuel Surcharge Waiver 

• 1% Waiver: Get a 1% fuel surcharge waiver at all fuel stations across India. 

• Minimum Transaction: ₹400. 

• Maximum Transaction: ₹5,000. 

• Maximum Benefit: Maximum waiver of ₹250 per statement cycle. 

Annual Fee Waiver 

Spend ₹1,00,000 or more in a year before your credit card renewal date and get your renewal fee waived off. 

Zero Lost Card Liability 

In the unfortunate event of losing your Tata Neu Plus HDFC Bank Credit Card, on reporting it immediately to the 24-hour call centre, you have zero liability for any fraudulent transactions made on your credit card. 

Interest-Free Credit Period 

Up to 50 days of interest-free period on your Tata Neu Plus HDFC Bank Credit Card from the date of purchase (subject to the submission of the charge by the merchant). 

Contactless Payments 

The Tata Neu Plus HDFC Bank Credit Card is enabled for contactless payments, facilitating fast, convenient, and secure payments at retail outlets. 

Note: In India, payment through contactless mode is allowed for a maximum of ₹5,000 for a single transaction, where you are not asked to input your credit card PIN. However, if the amount is higher than or equal to ₹5,000, the cardholder has to enter the credit card PIN for security reasons. 

Revolving Credit 

Available at a nominal interest rate on your Tata Neu Plus HDFC Bank Credit Card. 

Disclaimer: The card features, benefits, application process, and other details mentioned above are accurate at the time of writing but may change without prior notice.