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HDFC BankGold

Tata Neu Plus HDFC Bank Credit Card

•••• •••• •••• 4242

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Quick facts

Tata Neu Plus HDFC Bank Credit Card

Top reward5% NeuCoins

Annual fee₹499

Min income₹25,000/mo

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🛒Shopping Partners

HDFC Bank · Gold tier

Tata Neu Plus HDFC Bank Credit Card

Best for BigBasket, Croma, Air India and Tata brands.

Key Benefits

Tata & partner brands: 5% NeuCoins (cap ₹2,000/mo spend on partners)Other spends: 1% NeuCoinsAnnual fee waiver at ₹1,00,000 yearly spendWelcome bonus up to ₹499

Annual fee

₹499

Top rate

5% NeuCoins

Min income

₹25,000/mo

Eff. return

0.74%

Realistic net value (moderate user): ₹3,529/year

After ₹499 fee & ₹630 forex. Based on ₹40,000/mo spend.

12,400 users matched · Verified 2026-06-12

You apply directly with the bank. If you share your contact details on their form, the bank may call you. We never sell your data or make sales calls.

We earn commission if approved — at no cost to you. Zero sales calls.

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Our transparency commitment

✓ Reward caps shown in absolute ₹ — not just "5% cashback"

✓ Exclusions listed upfront — fuel, EMI, rent, wallet

✓ Point conversions with conservative ₹/point rates

Rates, fees, and eligibility notes are sourced from public issuer information and may contain errors. Always verify on the bank's website before applying.

All Benefits

Rewards, lounge rules, fee perks, and extras — sourced from public issuer information.

Tata & partner brands: 5% NeuCoins (cap ₹2,000/mo spend on partners)
Other spends: 1% NeuCoins
5% NeuCoins on Tata brands
1% on other spends
NeuPass benefits
Annual fee waiver at ₹1,00,000 yearly spend
Welcome bonus up to ₹499
Best for: Tata brand shoppers
Best for: BigBasket/Croma/Air India users

Source: HDFC Tata Neu Plus T&Cs

🛒Shopping Partners

Amazon, Flipkart & co-branded accelerators

Reward Structure

Source: HDFC Tata Neu Plus T&Cs

Tata & partner brands

5% NeuCoins

Cap: ₹2,000/mo spend on partners

Example: ₹2,000/mo spend → ≈ ₹100/mo (max at cap)

Other spends

1% NeuCoins

Example: ₹10,000/mo spend → ≈ ₹100/mo

Excluded categories (no rewards)

EMIFuelRentWallet

Fee waiver at

₹1,00,000 annual spend

What You Actually Earn (in ₹)

Absolute INR estimates based on your spends. Caps and exclusions applied — no marketing fluff.

Gross rewards / year

₹4,159

Before fees & forex

Costs / year

₹630

Fee ₹0 + forex ₹630

Net value / year

₹3,529

0.74% effective return on spend

Category-wise breakdown

Online shopping (Tata, BigBasket, Croma only)

Spend ₹10,000/mo · 5% cashback

₹1,200/year

₹100/mo

₹2,000 × 5% = ₹100/moCap hit at ₹2,000/mo — extra spend earns less

All other eligible spends

Spend ₹20,500/mo · 1% cashback

₹2,460/year

₹205/mo

₹20,500 × 1% = ₹205/mo

Fee waiver likely: Your ₹4,80,000/yr spend exceeds the ₹1,00,000 waiver threshold.

Estimates assume eligible spends only (exclusions per issuer T&Cs apply). Point values use typical redemption rates — actual value varies by redemption choice. Bank approval and reward crediting is at issuer discretion.

Best for

→Tata brand shoppers
→BigBasket/Croma/Air India users

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Fees & Charges — Full Disclosure

All amounts in INR. Everything that can reduce your net value.

Joining fee

Charged in first year

₹499

Annual / renewal fee

Waived on ₹1,00,000 annual spend

₹499

Forex markup

3.5% on international transactions

Finance charges

≈3.5–3.75% per month (42–45% p.a.) if you revolve balance — pay in full to avoid

Late payment fee

₹400–₹1,300 depending on statement balance — always pay on time

Reward redemption fee

Usually ₹0 for cashback cards; points cards may have ₹99+ redemption fee

Example: moderate user net math

Gross rewards+ ₹3,660

Signup bonus (year 1)+ ₹499

Annual fee− ₹0

Forex cost− ₹630

Net annual value₹3,529

Eligibility Snapshot

Public criteria from HDFC Tata Neu Plus T&Cs. Bank makes final decision.

Minimum age21–60 years

Min income (salaried)₹25,000/mo

Min income (self-employed)₹3,00,000/year

Employment acceptedsalaried, self employed

Credit historyNo minimum stated

CIBIL checkBank checks at application — CardHungry never pulls your score

Secured optionUnsecured card only

Card tierGold — mid-tier mass premium

Important: These are indicative eligibility bands from issuer websites. Actual approval depends on the bank's internal score, existing relationship, and current portfolio policy. CardHungry shows bands, not guarantees.

FAQ

How much can I actually earn with Tata Neu Plus HDFC Bank Credit Card?+

At moderate spend (₹40,000/mo), gross rewards are about ₹3,660/year. After the ₹499 annual fee, net value is approximately ₹3,529/year. Use the calculator above to model your own spends.

What is the minimum income for Tata Neu Plus HDFC Bank Credit Card?+

₹25,000/month for salaried applicants (indicative — bank decides).

What spends do NOT earn rewards?+

EMI, Fuel, Rent, Wallet.

Does CardHungry pull my CIBIL score?+

No. We use public eligibility criteria only. The bank will check CIBIL when you apply.

How do I get the annual fee waived?+

Spend ₹1,00,000 in a calendar year to get the ₹499 renewal fee reversed.