HDFC BankTata Neu Plus
RuPay
HDFC Bank · RuPay
Tata Neu Plus
Joining ₹499 · Annual ₹499 · Waived on ₹1,00,000 spend in the anniversary year
Fee break-even: ≈₹49,900/yr through this card at its base rate. Below that, the fee eats the rewards.
Earns NeuCoins · assumed 1 ₹/point. 1 NeuCoin = ₹1, but redeemable only inside the Tata ecosystem (Tata Neu, bigbasket, Croma, Westside, Taj, Tata CLiQ, 1mg). Full value realistic only if you shop Tata brands. NeuCoins earned expire in 12 months.
Verified 7 Aug 2026Forex markup3.5%
GolfNone
ConciergeNone
Fuel surcharge1% on ₹400 to ₹5,000 transactions, capped ₹250/cycle
International loungeNone
EMI₹99 to ₹699 plus GST at a merchant, up to ₹849 plus GST converting a statement balance processing fee · A converted purchase stops earning rewards · HDFC's fee follows the merchant and the scheme rather than your card, so the same tenure can cost ₹99 at one shop and ₹699 at another. It is not refunded if you cancel or pre close. Cancelling inside 7 days is free, after that pre closing costs 3% of the principal left plus GST. · SmartEMI, cash advances and fee payments earn nothing
Domestic lounge4 a year. 1 lounge voucher per calendar quarter on ₹50,000 spend in that quarter (max 4/year). Voucher-based via Gyftr/HOI. Swipe access discontinued. Claim within 120 days
Return by category
| Category | Return | Notes |
|---|---|---|
| Online spend | 1% | Base rate |
| Amazon | 1% | Base rate |
| Flipkart | 1% | Base rate |
| Subscriptions & OTT | 1% | Base rate |
| Offline spend | 1% | Base rate |
| UPI spending | 1% | 500 NeuCoins/month (≈₹50,000 of UPI spend) · 1% only when paying through the Tata Neu UPI ID. Any other UPI ID earns 0.25%. |
| Dining | 1% | Base rate |
| Swiggy | 1% | Base rate |
| Zomato | 1% | Base rate |
| Groceries | 1% | BigBasket earns 2% as a Tata brand. Any other supermarket or ten-minute app earns the 1% base. |
| Quick commerce | 1% | Uses its groceries rate |
| Swiggy Instamart | 1% | Base rate |
| Blinkit | 1% | Base rate |
| BigBasket | 2% | Grocery NeuCoins capped 1,000/month · Bigbasket counts as a Tata brand → 2%. Up to 7% ordering via Tata Neu app with NeuPass. Non-Tata grocers earn 1%. |
| Movies & shows | 1% | Base rate |
| BookMyShow | 1% | Base rate |
| PVR INOX | 1% | Base rate |
| Fuel | 0% | No NeuCoins on fuel |
| Travel (general) | 1% | The 2% is Tata travel brands only, meaning Air India Express, Taj and IHCL hotels, and bookings made in the Tata Neu app. Other travel earns the 1% base. |
| Flights | 1% | Uses its travel rate |
| Hotels | 1% | Uses its travel rate |
| MakeMyTrip | 1% | Uses its travel rate |
| IRCTC rail | 1% | Uses its travel rate |
| International | −2.5% | 1% reward − 3.5% forex markup |
| Utilities & bills | 1% | Base rate |
| Rent | 0% | Rent earns nothing, plus HDFC's 1% rent fee |
| Education fees | 1% | Base rate |
| Insurance premiums | 1% | Base rate |
| Government & tax | 0% | Government transactions earn nothing |
| Wallet loads | 0% | Wallet/gift/prepaid loads and voucher purchases earn nothing |
| Anything else | 1% | Base rate |
| Jewellery | 1% | Base rate |
Rates are the card's own published rates, before any spend profile. Add this card inMy cards to rank it against the rest of your wallet.
Also worth knowing
- 2% NeuCoins on partner Tata brands (non-EMI): Tata Neu, bigbasket, Croma, Westside, Tata CLiQ, 1mg, cult.fit, Air India Express…
- Extra 5% via NeuPass on Tata Neu app. Only the primary cardholder's Tata Neu account paying with this card (rule) → up to 7% on Tata Neu
- UPI on this RuPay card: 0.25% on any UPI ID + 0.75% extra via the Tata Neu UPI ID, capped 500 NeuCoins/month
- 1% extra DCC markup on dynamic-currency-conversion transactions abroad
Other exclusions
- SmartEMI, cash advances and fee payments earn nothing
- Online skill gaming excluded. Education via third-party apps (CRED, Cheq, MobiKwik)
Sources
Every figure above comes from the issuer's own pages and documents. Last verified 7 Aug 2026.