Card Details
Tata Neu Plus HDFC Bank Credit Card
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
Reward Calculator
NOTE: Enter your monthly spends to see
projected returns.
Estimated Returns
Non-EMI spends on partner Tata Brands
2% cashback
₹160
Grocery spends on partner Tata Brands
2% cashback
₹0
Non-EMI retail spends on Non-Tata Brands
1% cashback
₹0
Utility transactions
1% cashback
₹0
Telecom & Cable transactions
1% cashback
₹0
Insurance transactions
1% cashback
₹0
Total Annual Return
₹1,920
2% Effective ROIWhat Users Are Saying
Community Feed
Jul 2025
“Got My Second Credit Card: Tata Neu Plus HDFC”
by r/CreditCardsIndia, Jul 2025
“Is HDFC Tata Neu Plus Credit Card Really Worth It?”
by r/CreditCardsIndia, Jul 2025
“Tata Neu plus HDFC Credit Card is an absolute joke now”
by r/CreditCardsIndia, Jul 2025
“Is HDFC Tata Neu Plus worth it on 2026?”
by r/IndianCreditCards, Feb 2026
“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
Earn rich NeuCoin rewards on Tata Neu spends plus quarterly lounge vouchers after a ₹50k milestone.