INDEPENDENT PUBLIC DIRECTORY: Eligo does not issue credit cards, collect customer applications, or earn affiliate referral commissions. All terms, fees, and interest charges below are sourced directly from the official hdfcbank.com (HDFC Bank Ltd.) Most Important Terms and Conditions (MITC).

🏛️HDFC Bank Ltd.Network: RuPay / VisaShopping & Rewards CardsLast Verified: 2026-09-28

HDFC Tata Neu Plus Credit Card

एचडीएफसी टाटा न्यू प्लस क्रेडिट कार्ड

Co-branded RuPay credit card for the Tata ecosystem offering up to 7% NeuCoins on BigBasket, Croma, 1mg, and seamless UPI QR code payments.

Annual Fee₹499 + GST (Renewal: ₹499 + GST)

Reward Rate2% NeuCoins on Tata Neu and partner Tata brands (Air India Express, BigBasket, Croma, Cult.fit, IHCL Hotels, Tata 1mg, Tata CLiQ, Titan, Westside). An additional 5% NeuCoins on select categories for NeuPass members (total up to 7%). 1% NeuCoins on non-Tata retail spends and UPI merchant transactions.

Airport Lounge4 complimentary domestic airport lounge visits per calendar year (1 visit per calendar quarter) via RuPay/Visa.

Forex Markup3.50% + GST on foreign currency transactions.

What Is This Card

HDFC Tata Neu Plus is a co-branded RuPay credit card engineered for Indian households that shop across the Tata group (BigBasket, Croma, 1mg, Westside). It allows users to link their credit card directly to UPI apps for merchant QR code scanning while earning up to 7% NeuCoins (1 NeuCoin = ₹1).

Key Benefits (Official MITC Sourced)

💳Annual Fee & Joining Fee

₹499 + GST (Renewal: ₹499 + GST)

Fee Waiver: Spend ₹1,00,000 or more in each preceding anniversary year to get the annual renewal fee of ₹499 waived.

🎁Welcome Benefit

499 NeuCoins (worth ₹499) credited into Tata Neu app account upon completing first transaction within 30 days of card issuance.

⚡Reward Points Structure

2% NeuCoins on Tata Neu and partner Tata brands (Air India Express, BigBasket, Croma, Cult.fit, IHCL Hotels, Tata 1mg, Tata CLiQ, Titan, Westside). An additional 5% NeuCoins on select categories for NeuPass members (total up to 7%). 1% NeuCoins on non-Tata retail spends and UPI merchant transactions.

Redemption Value: 1 NeuCoin = ₹1.00 directly redeemable across all Tata ecosystem brands via the Tata Neu app (BigBasket, Croma, Tata 1mg, Air India Express, etc.).

🛫Airport & Railway Lounge Access

4 complimentary domestic airport lounge visits per calendar year (1 visit per calendar quarter) via RuPay/Visa.

🛡️Insurance & Fuel Surcharge Waiver

Insurance Cover: Standard fraud liability cover up to credit limit under zero lost card liability.

Fuel Surcharge: 1% fuel surcharge waiver across all fuel stations in India on transaction amounts between ₹400 and ₹5,000 (maximum waiver of ₹250 per statement cycle).

🎯Milestone Spends & Grace Period

Milestones: Annual fee reversal on ₹1,00,000 annual spend. Seamless linking to UPI apps (Google Pay, PhonePe, Paytm, Tata Neu) on RuPay network.

Interest-Free Period: Up to 50 days of interest-free credit from transaction date.

What's Missing (Eligo's Honest Disclosures)

Fine-Print Exclusions & Realistic Costs

NeuCoins expire within 12 months, requiring regular redemption. Base earn rate on non-Tata retail is 1%. NeuCoins cannot be converted to cash statement credit and must be redeemed inside the Tata ecosystem. Forex markup is standard 3.50%.

Forex Markup Fee3.50% + GST on foreign currency transactions.

Cash Advance Fee2.5% of withdrawn amount or ₹500 (whichever is higher) + 3.60% monthly finance charges.

Finance Charges (Interest)3.60% per month (43.20% per annum) on revolving balances.

Late Payment SlabsNil for outstanding up to ₹100; ₹100 for ₹101–₹500; ₹500 for ₹501–₹1,000; ₹600 for ₹1,001–₹5,000; ₹800 for ₹5,001–₹10,000; ₹1,100 for ₹10,001–₹25,000; ₹1,300 for above ₹25,000 (+ GST).

Reward Points ExpiryNeuCoins expire 1 year (12 months) from the date of accrual.

Categories Earning ZERO Rewards (Standard MITC Exclusion):Fuel transactions, wallet top-ups, rent payments, educational institutional fees, and government tax payments.

Eligibility Criteria

Salaried Indian individuals aged 21 to 60 with monthly salary exceeding ₹25,000. Self-employed individuals aged 21 to 65 with annual ITR exceeding ₹6,00,000.

Age Requirement21 to 60 Years

Minimum Income₹25,000/month (Salaried) / ₹6,00,000/year ITR (Self-Employed)

CIBIL Score NoteA credit score of 720+ is standard. Users with active Tata Neu accounts receive instant pre-qualified offers.

SBI RelationshipNot mandatory. Open to all qualifying Indian citizens.

How to Apply (Official Procedure)

Online Digital Application Flow

1Open the Tata Neu mobile app or visit hdfcbank.com.

2Select 'Tata Neu HDFC Bank Credit Cards' and enter mobile number.

3Choose Tata Neu Plus (RuPay variant recommended for UPI linkage).

4Fill in PAN, employment details, and residential address.

5Complete digital Aadhaar verification and Video KYC session.

6Virtual card generated instantly for UPI linking; physical card arrives in 3 to 5 business days.

Branch Application for Offline Applicants

Apply at any HDFC Bank branch with self-attested copies of PAN, Aadhaar, salary slip, and a passport-size photo.

Visit Official Card Page (hdfcbank.com)Download Official MITC (PDF)

Documents Required

1. PAN Card (statutory requirement)

2. Proof of Identity & Residence: Aadhaar Card, Passport, or Voter ID

3. Proof of Income: Last 3 months' salary slips and 6 months' bank statements OR Latest ITR with Computation Sheet

4. Passport-size photograph.

Frequently Asked Questions (Official MITC)

What happens if I miss the minimum payment due on HDFC Tata Neu Plus Credit Card?

If you do not pay at least the Minimum Amount Due (MAD) on or before the due date, late payment penalties will be charged according to the issuer's tariff: Nil for outstanding up to ₹100; ₹100 for ₹101–₹500; ₹500 for ₹501–₹1,000; ₹600 for ₹1,001–₹5,000; ₹800 for ₹5,001–₹10,000; ₹1,100 for ₹10,001–₹25,000; ₹1,300 for above ₹25,000 (+ GST).. In addition, revolving finance charges at 3.60% per month (43.20% per annum) on revolving balances. will be calculated from the original transaction dates on all outstanding balances and fresh purchases. You will lose the interest-free grace window, and the overdue record will be transmitted to credit bureaus (CIBIL, Experian, CRIF High Mark), adversely impacting your credit score.

Can I convert transactions on HDFC Tata Neu Plus Credit Card into EMI?

Yes, HDFC Bank Ltd. provides merchant EMI and post-purchase in-app EMI conversion options for eligible transactions (typically above ₹1,500 to ₹2,500). Cardholders can configure repayment schedules from 3 to 24 months via the bank's mobile application, net banking dashboard, or SMS prompt. Conversion is subject to a nominal one-time processing fee (usually 1% to 2% + 18% GST) and tenure-based interest charges.

How do I track and redeem reward points or cashback on HDFC Tata Neu Plus Credit Card?

You can monitor accrued reward points or cashback by accessing your monthly e-statements or logging into HDFC Bank Ltd.'s official mobile banking application or web portal. 1 NeuCoin = ₹1.00 directly redeemable across all Tata ecosystem brands via the Tata Neu app (BigBasket, Croma, Tata 1mg, Air India Express, etc.). Please note: NeuCoins expire 1 year (12 months) from the date of accrual.

What is the interest-free grace period on HDFC Tata Neu Plus Credit Card and how does it work?

The interest-free period on HDFC Tata Neu Plus Credit Card is Up to 50 days of interest-free credit from transaction date.. This benefit is applicable strictly when the full Total Amount Due from the previous billing cycle was cleared by the payment due date. If any residual balance is carried forward, all purchases immediately incur daily finance charges (3.60% per month (43.20% per annum) on revolving balances.) with zero grace period. ATM cash withdrawals never receive a grace period and incur interest and cash advance fees from the withdrawal timestamp.

← Back to Complete Credit Cards Directory View All HDFC Bank Ltd. Products & Loans →