How much cashback does the Tata Neu Plus HDFC Bank Credit Card give?

The headline rate is Get an additional 5% back as NeuCoins on transactions on the Tata Neu app/website after and similar spends. Everything else earns 2% back, so ₹10,000 of general spend gives you ₹200 a month. Fuel, Wallet Load, Gift Card, Prepaid Card earn nothing at all.

Does the Tata Neu Plus HDFC Bank Credit Card give free airport lounge access?

The Tata Neu Plus HDFC Bank Credit Card gives 4 complimentary domestic lounge visits a year, usually capped at 1 per quarter. Access is not automatic any more, because you need ₹50,000 of spend in the previous quarter before the visits become available, which is ₹16,667 a month.

What changed on the Tata Neu Plus HDFC Bank Credit Card recently and is it still worth it in 2026?

UPI earn cut (Aug 2024); spend-based lounge (Jun 2025); 12-month NeuCoin expiry (Aug 2025). The changes are dated Aug 2024-Aug 2025. At ₹1L of yearly spend the card returns roughly ₹1,000 at its general rate of about 1%, against a ₹499 renewal fee. Keep it if you clear the ₹1L waiver spend and your spending really sits in the accelerated category. Drop it at renewal if you do not.

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Card Details

5773 2234 8549 3047

Tata Neu Plus HDFC Bank Credit Card

HDFCVISA, RUPAY

Monzy Score

6/ 10

Decent for online shoppers.

~2.0% back on top spends; high 3.5% forex markup.

Card Issuer

HDFC Bank

Joining Fee

₹499

Annual Fee

₹499

Reward Type

Reward Points

Card Access

Standard

Earn Points

2% NeuCoins

Non-EMI spends on Tata Neu & partner Tata brands

5% NeuCoins

Select Tata Neu app categories

1% NeuCoins

Non-Tata brand spends and merchant EMI spends

1% NeuCoins

on Eligible UPI spends on RuPay variant (max 500 NeuCoins/month)

Benefits

Shopping

Up to 7% NeuCoins on Tata Neu spends

High earnings on Tata ecosystem
2% NeuCoins on Tata Neu & partner brands
Additional 5% NeuCoins on select Tata Neu app categories after NeuPass registration
Additional 5% excludes certain Tata categories and requires NeuPass

Travel

Quarterly lounge vouchers post ₹50k spend

Milestone-based domestic lounge access
1 complimentary domestic lounge voucher per quarter
Requires ₹50,000 spends in the preceding calendar quarter
No international lounge access

Protection

₹499 fee waived on ₹1 lakh annual spend

Fuel

1% fuel surcharge waiver

Reward Calculator

NOTE: Enter your monthly spends to see
projected returns.

Excluded: fuel, wallet, rent, government, online gaming

Total Monthly Spend

Min: ₹5,000Max: ₹2,00,000

Estimated Returns

Tata Neu app & partner Tata brands

2% NeuCoins

₹600

Select categories via Tata Neu app (booster)

situational +5%

₹0

UPI spends (RuPay)

cap 500/mo

₹0

All other spends

Grocery1000 Utility2000 Telecom2000

₹0

Total Annual Return

₹7,200

2% Effective ROI

What Users Are Saying

Community Feed

Jul 2025

Tata Neu Plus HDFC BankNEUTRAL

“Got My Second Credit Card: Tata Neu Plus HDFC”

by r/CreditCardsIndia, Jul 2025

Tata Neu Plus HDFC BankPOSITIVE

“Is HDFC Tata Neu Plus Credit Card Really Worth It?”

by r/CreditCardsIndia, Jul 2025

Tata Neu Plus HDFC BankNEUTRAL

“Tata Neu plus HDFC Credit Card is an absolute joke now”

by r/CreditCardsIndia, Jul 2025

Tata Neu Plus HDFC BankPOSITIVE

“Is HDFC Tata Neu Plus worth it on 2026?”

by r/IndianCreditCards, Feb 2026

Tata Neu Plus HDFC BankNEUTRAL

“Tata Neu Infinity HDFC Card – The “1.5% on UPI” that”

by r/CreditCardsIndia, Dec 2025

Frequently Asked Questions

The Tata Neu Plus HDFC Bank Credit Card charges ₹499 plus GST as a joining fee and the same ₹499 again at renewal. HDFC Bank waives the renewal fee if you spend ₹1L in the previous year, which is about ₹8,333 a month. If your card spend sits below that, treat ₹499 as a real yearly cost that your rewards have to clear first.

Things to Keep in Mind

NeuCoins not awarded on fuel, wallet loads, rental, government and online gaming transactions.

Grocery NeuCoins capped at 1,000 per month; utility and telecom/cable NeuCoins capped at 2,000 per month.

UPI NeuCoin earnings capped at 500 per calendar month.

10-Jun-2025: Lounge changed to quarterly spend milestone voucher model

01-Jul-2025: No rewards on skill-based gaming MCC 5816; insurance cap revised to monthly cap

Telecom & Cable NeuCoins capped at 2,000 per calendar month

←

Card Details

5773 2234 8549 3047

Tata Neu Plus HDFC Bank Credit Card

HDFCVISA, RUPAY

Monzy Score

6/ 10

Decent for online shoppers.

~2.0% back on top spends; high 3.5% forex markup.

Card Issuer

HDFC Bank

Joining Fee

₹499

Annual Fee

₹499

Reward Type

Reward Points

Card Access

Standard

Earn Points

2% NeuCoins

Non-EMI spends on Tata Neu & partner Tata brands

5% NeuCoins

Select Tata Neu app categories

1% NeuCoins

Non-Tata brand spends and merchant EMI spends

1% NeuCoins

on Eligible UPI spends on RuPay variant (max 500 NeuCoins/month)

Benefits

Shopping

Up to 7% NeuCoins on Tata Neu spends

High earnings on Tata ecosystem
2% NeuCoins on Tata Neu & partner brands
Additional 5% NeuCoins on select Tata Neu app categories after NeuPass registration
Additional 5% excludes certain Tata categories and requires NeuPass

Travel

Quarterly lounge vouchers post ₹50k spend

Milestone-based domestic lounge access
1 complimentary domestic lounge voucher per quarter
Requires ₹50,000 spends in the preceding calendar quarter
No international lounge access

Protection

₹499 fee waived on ₹1 lakh annual spend

Fuel

1% fuel surcharge waiver

Reward Calculator

NOTE: Enter your monthly spends to see
projected returns.

Excluded: fuel, wallet, rent, government, online gaming

Total Monthly Spend

Min: ₹5,000Max: ₹2,00,000

Estimated Returns

Tata Neu app & partner Tata brands

2% NeuCoins

₹600

Select categories via Tata Neu app (booster)

situational +5%

₹0

UPI spends (RuPay)

cap 500/mo

₹0

All other spends

Grocery1000 Utility2000 Telecom2000

₹0

Total Annual Return

₹7,200

2% Effective ROI

What Users Are Saying

Community Feed

Jul 2025

Tata Neu Plus HDFC BankNEUTRAL

“Got My Second Credit Card: Tata Neu Plus HDFC”

by r/CreditCardsIndia, Jul 2025

Tata Neu Plus HDFC BankPOSITIVE

“Is HDFC Tata Neu Plus Credit Card Really Worth It?”

by r/CreditCardsIndia, Jul 2025

Tata Neu Plus HDFC BankNEUTRAL

“Tata Neu plus HDFC Credit Card is an absolute joke now”

by r/CreditCardsIndia, Jul 2025

Tata Neu Plus HDFC BankPOSITIVE

“Is HDFC Tata Neu Plus worth it on 2026?”

by r/IndianCreditCards, Feb 2026

Tata Neu Plus HDFC BankNEUTRAL

“Tata Neu Infinity HDFC Card – The “1.5% on UPI” that”

by r/CreditCardsIndia, Dec 2025

Frequently Asked Questions

Things to Keep in Mind

NeuCoins not awarded on fuel, wallet loads, rental, government and online gaming transactions.

Grocery NeuCoins capped at 1,000 per month; utility and telecom/cable NeuCoins capped at 2,000 per month.

UPI NeuCoin earnings capped at 500 per calendar month.

10-Jun-2025: Lounge changed to quarterly spend milestone voucher model

01-Jul-2025: No rewards on skill-based gaming MCC 5816; insurance cap revised to monthly cap

Telecom & Cable NeuCoins capped at 2,000 per calendar month

←

Card Details

5773 2234 8549 3047

Tata Neu Plus HDFC Bank Credit Card

HDFCVISA, RUPAY

Monzy Score

6/ 10

Decent for online shoppers.

~2.0% back on top spends; high 3.5% forex markup.

Card Issuer

HDFC Bank

Joining Fee

₹499

Annual Fee

₹499

Reward Type

Reward Points

Card Access

Standard

Earn Points

2% NeuCoins

Non-EMI spends on Tata Neu & partner Tata brands

5% NeuCoins

Select Tata Neu app categories

1% NeuCoins

Non-Tata brand spends and merchant EMI spends

1% NeuCoins

on Eligible UPI spends on RuPay variant (max 500 NeuCoins/month)

Benefits

Shopping

Up to 7% NeuCoins on Tata Neu spends

High earnings on Tata ecosystem
2% NeuCoins on Tata Neu & partner brands
Additional 5% NeuCoins on select Tata Neu app categories after NeuPass registration
Additional 5% excludes certain Tata categories and requires NeuPass

Travel

Quarterly lounge vouchers post ₹50k spend

Milestone-based domestic lounge access
1 complimentary domestic lounge voucher per quarter
Requires ₹50,000 spends in the preceding calendar quarter
No international lounge access

Protection

₹499 fee waived on ₹1 lakh annual spend

Fuel

1% fuel surcharge waiver

Reward Calculator

NOTE: Enter your monthly spends to see
projected returns.

Excluded: fuel, wallet, rent, government, online gaming

Total Monthly Spend

Min: ₹5,000Max: ₹2,00,000

Estimated Returns

Tata Neu app & partner Tata brands

2% NeuCoins

₹600

Select categories via Tata Neu app (booster)

situational +5%

₹0

UPI spends (RuPay)

cap 500/mo

₹0

All other spends

Grocery1000 Utility2000 Telecom2000

₹0

Total Annual Return

₹7,200

2% Effective ROI

What Users Are Saying

Community Feed

Jul 2025

Tata Neu Plus HDFC BankNEUTRAL

“Got My Second Credit Card: Tata Neu Plus HDFC”

by r/CreditCardsIndia, Jul 2025

Tata Neu Plus HDFC BankPOSITIVE

“Is HDFC Tata Neu Plus Credit Card Really Worth It?”

by r/CreditCardsIndia, Jul 2025

Tata Neu Plus HDFC BankNEUTRAL

“Tata Neu plus HDFC Credit Card is an absolute joke now”

by r/CreditCardsIndia, Jul 2025

Tata Neu Plus HDFC BankPOSITIVE

“Is HDFC Tata Neu Plus worth it on 2026?”

by r/IndianCreditCards, Feb 2026

Tata Neu Plus HDFC BankNEUTRAL

“Tata Neu Infinity HDFC Card – The “1.5% on UPI” that”

by r/CreditCardsIndia, Dec 2025

Frequently Asked Questions

Things to Keep in Mind

NeuCoins not awarded on fuel, wallet loads, rental, government and online gaming transactions.

Grocery NeuCoins capped at 1,000 per month; utility and telecom/cable NeuCoins capped at 2,000 per month.

UPI NeuCoin earnings capped at 500 per calendar month.

10-Jun-2025: Lounge changed to quarterly spend milestone voucher model

01-Jul-2025: No rewards on skill-based gaming MCC 5816; insurance cap revised to monthly cap

Telecom & Cable NeuCoins capped at 2,000 per calendar month