Card Type

Reward Points


  • 2% back as NeuCoins on Non-EMI Spends on Tata Neu and partner Tata Brands. For list of eligible partner brands click here 

  • 1% back as NeuCoins on Non-Tata Brand Spends and any Merchant EMI Spends

  • 1% back as NeuCoins on UPI spends (including spends on partner Tata Brands) - maximum of 500 NeuCoins per calendar month. For more information on UPI spend on RuPay Credit Card, click here

  • Earn additional 5% back as NeuCoins on selected categories on Tata Neu App/Website, post downloading Tata Neu App and registering for Tata NeuPass. For details on the Tata NeuPass, please click here

  • To know how to activate you card as per RBI guideline click here 


NeuCoins will not accrue for Fuel Spends, Wallet loads and Smart EMI / Dial an EMI transaction

With effect from 1st January 2023:

1. Rental and Government related transactions will not earn reward points. Till 31st Dec 2022 NeuCoins earned on property management services including rent, will have a maximum capping of 500 per month

2. Reward points earned on Grocery transactions will be capped to 1,000 per month for Tata Neu Plus HDFC Bank Credit card.

For detailed Terms and conditions and Fair Usage Policy click here

Currently, Bill Payment (Tata Pay), Tanishq, Cult.fit, Air India, Tata Play spends are not eligible for additional 5% NeuCoins via NeuPass Membership

Additional Features

​​​​​​Zero lost card liability: In the unfortunate event of losing your Tata Neu Plus HDFC Bank Credit Card, on reporting it immediately to our 24-hour call centre, you have zero liability on any fraudulent transactions made on your Credit Card.

Interest-Free Credit Period : Up to 50 days of interest-free period on your Tata Neu Plus HDFC Bank Credit Card from the date of purchase (subject to the submission of the charge by the Merchant)

Revolving Credit: Available at a nominal interest rate on your Tata Neu Plus HDFC Bank Credit Card. Please refer to Fees and Charges section to know more.

Lounge Access

Domestic Lounge Access
4 Complimentary Domestic Lounge Access per calendar year (1 in a quarter). ₹2 (VISA / RuPay) will be charged to the Credit Card for the Lounge Access

Please note, w.e.f 15 May 2023, the list of eligible domestic lounge access has been updated. For more information, please​​​​​​​ click here

Fuel Surcharge Waiver

1% fuel surcharge waiver at all fuel stations across India
(on minimum transaction of ₹400 & maximum transaction of ₹5,000. Maximum waiver of ₹250 per statement cycle)

Welcome Benefit

Get 499 NeuCoins on Tata Neu App (as reversal of 1st Year Membership Fees), applicable on 1st Transaction done within 30 days of card issuance  and will be available to claim inside Tata Neu App within 60 days of such transaction.

Note: For eligible customers, option to claim the Welcome Benefit will be available inside Tata Neu App for 180 days from statement date of the eligible transaction. The validity of the NeuCoins given against Welcome Benefit will be 365 days from the claim date.

Welcome Benefit is not applicable on Lifetime Free and First Year Free Cards. For detailed Terms and conditions Click here

Renewal Offer

Spend ₹1,00,000 or more in a year, before your Credit Card renewal date and get your renewal fee waived off.

Contactless Payment

The Tata Neu Plus HDFC Bank Credit Card is enabled for contactless payments, facilitating fast, convenient, and secure payments at retail outlets.

Please note that in India, payment through contactless mode is allowed for a maximum of ₹5000 for a single transaction where you are not asked to input your Credit Card PIN. However, if the amount is higher than or equal to ₹5000, the Card holder has to enter the Credit Card PIN for security reasons.

NeuCoins Redemption & Validity

NeuCoins Redemption:

You can use your NeuCoins for purchases on Tata Neu /Wesbite for Brands like:

  • Air India Express

  • Bigbasket

  • Croma, Westside.

  • Tata CLiQ, Tata CLiQ Luxury

  • Hotel Bookings/Purchases on IHCL

  • TATA 1MG

  • Qmin

  • Titan and Tanishq (only via Tata Neu)

You can use your NeuCoins by selecting Tata Pay/ NeuCoins /Loyalty Redemption as the payment method. NeuCoins can only be used on eligible transactions as defined by the individual brands.

For offline redemption of NeuCoins on selected stores kindly refer FAQs


Your monthly statement will give breakup of NeuCoins as following:

  • NeuCoins accrued and available with the Bank
  • NeuCoins transferred to Tata Neu during the Statement Cycle

On periodic basis (within 7 working days of the statement generation) the NeuCoins will be transferred to Tata Neu by the Bank. NeuCoins transferred to Tata Neu will be available for redemption on Tata Neu App.

For detailed Terms and conditions Click here

NeuCoins Validity:

Your NeuCoins expire 365 days after your last transaction involving an eligible earn or use of NeuCoins (even if it’s just one NeuCoin earned or used).

During special promotions, you might also earn additional NeuCoins. The expiry of these NeuCoins will be mentioned at the time of issuance.

For details on Redemption and Validity on NeuCoins, please click here