Tata Neu Plus HDFC Bank Credit Card – Cashback, UPI & Daily Savings Credit Card
- By CardSathi
- April 4, 2026
- 7:50 PM
Did you know that most users in India are now shifting towards UPI-enabled cashback credit cards for everyday spending? If you regularly shop on Tata brands like BigBasket, Croma, or pay bills online, choosing the right credit card in India 2026 can help you save money on every transaction. The Tata Neu Plus HDFC Bank Credit Card is an entry-level cashback + UPI credit card, offering NeuCoins rewards, Tata brand discounts, and daily savings benefits. With features like 1 NeuCoin = ₹1 value, UPI cashback, and simple reward structure, it is designed for users who want easy savings. But is it worth it, and does it provide real value compared to other best cashback credit cards in India 2026? In this detailed Tata Neu Plus Credit Card review, we will cover its features, charges, rewards, benefits, and eligibility.
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- Joining Fee: ₹0 (Limited time offer)
- Annual Fee: ₹499 + GST
- Annual Fee Waiver: ₹1 lakh annual spend
- Card Type: Cashback Credit Card
- Best For: Beginners, UPI users, Tata shoppers
Fees & Charges:
| Feature | Details |
|---|---|
|
Interest Rate |
3.6% per month |
|
Late Payment Charges |
As per outstanding amount Click Here |
|
Over-limit Fee |
2.5% (minimum ₹500) |
|
Cash Withdrawal Fee |
2.5% (minimum ₹500) |
|
Forex Markup |
3.5% |
Rewards & Benefits:
Welcome Benefits:
- NeuCoins equivalent to joining fee (offer based)
Cashback Structure (NeuCoins):
- Up to 7% rewards on Tata Neu App
- 2% on Tata brands
- 1% on other spends
- 1 NeuCoin = ₹1
UPI Cashback:
- Up to 0.75%–1% cashback on UPI
- Extra rewards via Tata Neu UPI ID
Lounge Access:
- 4 domestic lounge visits per year
- Spend ₹50,000 per quarter required
Fuel Benefits:
- 1% fuel surcharge waiver
Dining Offers:
- Up to 15% discount
EMI Conversion:
- Available
Contactless Payment:
Supports contactless + UPI payments
Benefit Summary Table:
| Category | Benefit |
|---|---|
|
Rewards |
Up to 7% |
|
Bonus Rewards |
Tata offers |
|
Lounge Access |
4 visits / annum |
|
Forex Charges |
3.5% |
|
Milestone Rewards |
Renewal fee
₹499 + GST
[*Renewal Fee of Rs. 499 waived off on spends of Rs 1 lakh or more in the preceding year]
|
|
Insurance |
Basic |
Eligibility Criteria:
- The applicant must be a Salaried Professional, Self-Employed Professional, or Self-Employed Business Person
- Existing HDFC Bank Credit Card holders can also apply for this Card
- The Credit limit of the existing HDFC Bank Credit Card will be shared with the Tata Neu HDFC Bank Credit Card
Salaried:
- Age: 21–60 years
Gross Monthly Income > ₹25,000 for Tata Neu Plus HDFC Bank Credit Card
Self Employed:
- Age: 21–65 years
- Last year ITR > ₹ 6 Lakhs per annum for Tata Neu Plus HDFC Bank Credit Card
Documents Required:
Identity Proof:
- Passport
- Aadhaar card
- Voter ID
- Driving licence
- PAN card
Address Proof:
- Utility bills (electricity,
- water, gas, telephone)
- Rental agreement
- Passpor
- Aadhaar card
- Voter ID
Income Proof:
- Salary slips (for salaried individuals)
- Income Tax Returns (ITR)
- Form 16
- Bank statements
Who Should Apply?
Best for beginners and daily UPI users who want simple cashback + Tata rewards.
How to Apply?
Step 1 – Click on apply now button provided on top or bottom of this post.
Step 2 – Fill in personal and income details
Step 3 – Select your card
Step 4 – Submit application and complete KYC
In some cases, document upload and video KYC may be required.
Final Verdict
The Tata Neu Plus Credit Card is one of the best entry-level UPI cashback cards in India. Perfect for users who want low fee + simple rewards.
Tata Neu Plus Credit Card – FAQs
1. Is Tata Neu Plus Credit Card good in 2026?
Yes, it is one of the best entry-level UPI cashback credit cards in India, especially for Tata brand users.
2. What is the annual fee of Tata Neu Plus Card?
The annual fee is ₹499 + GST, which can be waived on ₹1 lakh yearly spend.
3. What is NeuCoin value?
1 NeuCoin = ₹1, which can be redeemed on the Tata Neu app.
4. Does Tata Neu Plus support UPI payments?
Yes, the RuPay variant supports UPI payments with cashback rewards.
5. How much cashback can I earn?
You can earn up to 7% rewards on Tata Neu app and 1% on other spends.
6. Does it offer lounge access?
Yes, 4 domestic lounge visits per year, subject to spend conditions.
7. Who should apply for Tata Neu Plus Card?
Best for beginners, low spenders, and UPI users.
SOME IMPORTANT LINKS
| Name | Links |
|---|---|
|
Apply Online |
|
|
Check Fee & Charges |
|
|
Most Important T&C |
|
|
Official Website |
|
|
NeuCoins Savings Calculator |
Tata Neu Plus HDFC Bank Credit Card – Terms & Conditions
NeuCoins System:
- 1 NeuCoin = ₹1 value, redeemable on the Tata Neu app
- Rewards are applicable only on eligible transactions
- No NeuCoins are earned on:
- Fuel transactions
- Rent payments
- Government payments
- Wallet loading
- EMI conversions after purchase
NeuCoins are governed by the bank’s fair usage policy and may change from time to time.
Tata Neu Plus Credit Card – Key Conditions:
- Earn up to 2% NeuCoins on Tata partner brands (non-EMI spends)
- EMI transactions earn reduced rewards (~1%)
- UPI Rewards (RuPay Card):
- Base cashback on UPI spends
- Additional rewards via Tata Neu UPI ID
- Welcome Benefit:
- Get NeuCoins equivalent to joining fee (₹499) after first transaction within 30 days
- Credited within 60 days
- Lounge Access Condition:
- Spend ₹50,000 in a quarter to unlock lounge benefits
- Restrictions:
- Extra NeuCoins may not apply on selected categories like bill payments, Air India, Tata Play, etc.
- Limited redemption options on some categories
Important Notes:
- Additional 5% NeuCoins via NeuPass is applicable only after activation
- Rewards and partner brands may change over time
- Always refer to the official bank page for latest updates
- Card benefits are subject to bank approval and terms