Accessible Tata Shopping & UPI Saver — 7% NeuCoins on Tata Brands & 1% on RuPay UPI
Value-conscious consumers, BigBasket/1mg shoppers, and UPI spenders seeking an affordable entry point into the Tata Neu rewards ecosystem.
₹499
One-time upfront₹499
Waived on ₹1 lakh annual spend1% NeuCoins on Non-Tata & UPI spends
On eligible spends4 Domestic visits/year · ₹50k quarterly spend required
Complimentary visitsLast verified 16 Sept 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The Tata Neu Plus HDFC Bank Credit Card is an accessible, high-utility everyday shopping card designed for consumers looking to extract dependable cashback from household expenses, groceries, and daily merchant UPI transactions. Priced at an entry-level **annual fee of ₹499 + GST**, the card completely offsets its initial cost by granting **499 NeuCoins** (worth ₹499) upon completing the first transaction within 30 days of setup. The annual fee is waived upon spending a manageable **₹1,00,000 annually**. At the heart of the card is a solid 7% total reward proposition across the Tata universe: cardholders earn **2% NeuCoins from the card plus 5% NeuCoins via NeuPass** on purchases made on the Tata Neu app across BigBasket, Croma, 1mg, Tata CLiQ, and Air India. Furthermore, when issued on the RuPay network, cardholders earn **1.0% NeuCoins on all merchant UPI payments** (scanning QR codes at local stores), turning everyday tea, grocery, and fuel payments into real purchasing power. Despite its budget pricing, the card includes **4 complimentary domestic airport lounge visits per calendar year (1 per calendar quarter)**, unlocked upon achieving retail spending of ₹20,000 in the preceding calendar quarter. For budget-conscious shoppers looking for an affordable everyday card that pays handsome rewards across groceries, healthcare, and digital UPI scans, Tata Neu Plus is a standout choice.
Earn 2% back as NeuCoins on BigBasket, Croma, 1mg, Air India Express, IHCL, and Westside, plus 5% extra with NeuPass membership.
Earn 1% back as NeuCoins on eligible merchant UPI Scan & Pay transactions via RuPay, capped at 500 NeuCoins per calendar month.
Enjoy 1 complimentary domestic lounge access voucher per calendar quarter upon spending ₹50,000 in the preceding quarter.
Budget-friendly ₹499 annual fee is completely waived upon spending ₹1,00,000 in an anniversary year.
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| Tata Neu App & Partner Brands (BigBasket, Croma, 1mg, Westside) | 2% NeuCoins on Tata Neu App and partner Tata brands (+5% additional with NeuPass = 7% valueback) | No Cap | Standard terms apply |
| Non-Tata Spends & RuPay UPI Transactions | 1% NeuCoins on non-Tata retail spends & RuPay UPI transactions (UPI capped at 500 NeuCoins per calendar month) | 500 NeuCoins/mo | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| Tata Neu App & Partner Brands (BigBasket, Croma, 1mg, Westside) | ₹6,000 | 2% NeuCoins on Tata Neu App and partner Tata brands (+5% additional with NeuPass = 7% valueback) | — | None | Calculating... | Under cap |
| Non-Tata Spends & RuPay UPI Transactions | ₹6,000 | 1% NeuCoins on non-Tata retail spends & RuPay UPI transactions (UPI capped at 500 NeuCoins per calendar month) | — | ₹500/monthly | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return-₹499
Standard renewal+₹0 / yr
Rewards - FeeDomestic and international lounge privileges, spend hurdles, and participating terminals
Verify this card against live departure gates and specific terminal lounges across India.
This card includes complimentary admission across verified Indian airport terminals. Check individual terminal lounges and spend criteria before you travel.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
• Joining Fee: ₹499 + GST (Welcome benefit of 499 NeuCoins upon executing the first transaction in 30 days). • Annual Renewal Fee: ₹499 + GST. • Spend-Based Fee Waiver: Annual fee waived on achieving retail spends of ₹1,00,000 in the preceding anniversary year. • 7% Tata Ecosystem Return: 2% NeuCoins from card + 5% NeuCoins via NeuPass on Tata Neu app purchases (1 NeuCoin = ₹1.00). • 1.0% UPI Spends Reward: 1.0% NeuCoins on all eligible merchant UPI QR code payments (RuPay network variant). • 1.0% Non-Tata Retail Reward: 1.0% NeuCoins on other eligible non-Tata retail transactions. • Domestic Airport Lounge Access: 4 complimentary domestic airport lounge visits per calendar year (1 per calendar quarter, spend hurdle of ₹20,000 in previous quarter). • Fuel Surcharge Waiver: 1% surcharge waiver on fuel transactions between ₹400 and ₹5,000 (maximum waiver ₹250 per statement month). • Foreign Currency Markup: 3.50% + GST on foreign exchange transactions.
Evaluate whether this card's perks and waiver threshold justify its ₹499 renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Eligibility criteria not specified
Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.
Common questions regarding Tata Neu Plus HDFC Bank Credit Card application, fees, reward redemption, and eligibility
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Direct online application on the official HDFC Bank portal with paperless verification.
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Deep-dive comparisons, reward calculations, and editorial reviews from our research desk
From 25 November 2026, NeuCoins earned on Tata Neu Infinity and Plus HDFC credit cards will no longer transfer automatically. Cardholders must manually claim them within 12 months or they expire. We explain the new rule, the hidden 2-year validity upside, and how HDFC compares with SBI.
