HDFC Bank
Gold · Tata Neu Plus
Tata Neu Plus HDFC Bank Credit Card
HDFC Bank
Earn NeuCoins across the Tata ecosystem at an affordable fee
Annual Fee
₹499
Joining Fee
₹499
Reward Rate
1.0%
Forex Markup
3.5%
Value Analysis
Annual Net Value
₹7,411
Total Annual Benefits
₹8,000
Total Annual Charges
₹589
ROI
1258%
Fee Waiver Available
Annual fee waived on spending ₹1 Lakh in the preceding year — ₹1,00,000 annual spend
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Transaction Limits
Card Scorecard
Charges Breakdown
Benefits & Perks
Shopping Benefits (2)
Tata Neu App NeuCoins
5% NeuCoins on all purchases made on the Tata Neu app
- • Valid on Tata Neu app purchases
- • 1 NeuCoin = ₹1
5% NeuCoins
Tata Brand Stores NeuCoins
2% NeuCoins at Croma, Tanishq, Westside, Tata CLiQ, and other Tata brands
- • Valid at participating Tata brand stores
2% NeuCoins
Cashback Benefits (1)
All Other Spends
1% NeuCoins on all other retail purchases
1% NeuCoins
Fuel Benefits (1)
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹400–₹5,000
- • Valid on transactions ₹400–₹5,000
- • Max ₹250 per statement cycle
1% waiver
₹3,000/yr
Reward Program
Program
Tata NeuCoins
5% Tata Neu, 2% Tata brands, 1% other
Effective cashback: 1.00%
Points expire: 1 year from date of accrual
Redemption Options
- → Tata Neu app (1 NeuCoin = ₹1)
- → Croma, Tanishq, Westside, Tata CLiQ
- → BigBasket, 1mg
Bonus Categories
Tata Neu App
5x multiplier
5% NeuCoins on Tata Neu
Tata Brands
2x multiplier
2% NeuCoins at Tata brands
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | ₹499 Excluding GST |
| Annual Fee | ₹499 Excluding GST |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 3.5%
- Interest Rate (Monthly)
- 3.75%
- Late Payment Fee
- ₹1,300
- Cash Advance Fee
- 2.5%
ATM Charges
- Own Bank Withdrawal
- ₹250
- Other Bank Withdrawal
- ₹250
- Intl. Withdrawal Fee
- 2.5% + ₹250
Fuel Surcharge Waiver
1% waiver on transactions between ₹400 – ₹5,000. Max waiver: ₹250/cycle.
Eligibility
Requirements
- Min. Monthly Income
- ₹25,000
- Min. Annual Income
- ₹3,00,000
- Min. Credit Score
- 650
- Age Range
- 21 – 65 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Gross Monthly Income > ₹25,000
- • Self-Employed: ITR > ₹3 Lakh p.a.
Transaction Limits
ATM Withdrawal / Day
₹30,000
POS & E-Commerce / Day
₹2,00,000
Contactless / Txn
₹5,000
Features
Contactless payments EMV chip security Add-on cards available EMI conversion facility Tata Neu app integration NeuCoins across Tata ecosystem
EMI Options
Min. Transaction
₹2,500
Interest / Month
1.5%
Tenure Options
3, 6, 9, 12 months
Processing Fee
1%
Ready to Apply?
The Tata Neu Plus HDFC Bank Credit Card is an entry-level co-branded credit card offering 5% NeuCoins on Tata Neu app purchases, 2% at Tata brand stor...
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