TNVISARuPay
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Tata Neu Plus HDFC BankHDFC Bank
Fees & charges
| Joining fee | ₹499 + taxes |
|---|---|
| Annual / renewal fee | ₹499 + taxes |
| Renewal-fee waiver | ₹1 lakh/year (renewal fee waived on spends of ₹1,00,000+ in preceding year) |
| Network | VISARuPay Visa / RuPay (RuPay variant enables UPI, per page's UPI reward; network not explicitly labelled on page) |
Rewards & benefits
| Reward rate | 2% back as NeuCoins on Tata Neu & partner Tata Brands; 1% on non-Tata brands and on UPI spends; +5% NeuCoins on select categories via Tata Neu App/Website after NeuPass registration |
|---|---|
| Welcome benefit | 499 NeuCoins (as reversal of 1st-year membership fee) credited on Tata Neu App, on 1st transaction within 30 days of card issuance |
| Lounge access | Domestic only, milestone-based: 1 complimentary domestic lounge voucher per calendar quarter on ₹50,000+ spend that quarter (up to 4/year); no international lounge access |
| Key benefits | Entry-level Tata Neu co-brand card — 2% NeuCoins on Tata brands, 1% elsewhere/UPI, milestone-based domestic lounge vouchers, low ₹499 fee waivable at ₹1L annual spend |
Eligibility & status
| Eligibility / income | Salaried: min net monthly income ₹25,000; Self-employed: min annual income ₹6 lakh; age 21+ (salaried <60 yrs, self-employed <65 yrs) |
|---|---|
| Status note | active |
Sources compared — HDFC's MITC (PDF) vs the card's microsite
Every fact is shown from both of HDFC's own sources so you can verify it yourself — the MITC PDF ↗ (the binding fee document) and the product microsite ↗. Nothing is omitted or paraphrased.
| Fact | 📄 MITC PDF | 🔗 Microsite | |
|---|---|---|---|
| Joining / annual fee | ₹ 499MITC v4.3, fee table L580-582 | Joining/Renewal Membership Fee – ₹499/- + Applicable Taxes (If applicable, the Joining Fees will be levied on 120th day of the card issuance) | ✓ |
| Fee waiver (min spend) | ₹1 lakh / AnnumMITC v4.3, fee table L580-582 | Spend ₹1,00,000 or more in a year, before your Credit Card renewal date and get your renewal fee waived off. | ✓ |
| Fuel surcharge waiver | 1% fuel surcharge waiver on minimum transaction of ₹400 & maximum transaction of ₹5000. Maximum waiver of ₹250 per statement cycleMITC v4.3, fee table L580-582 | 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) | ✓ |
| Forex markup | 3.5%MITC v4.3, fee table L580-582 | NOT STATED | • |
| Reward rate | Not in MITC (product term) | 2% back as NeuCoins on Non-EMI Spends on Tata Neu and partner Tata Brands. 1% back as NeuCoins on Non-Tata Brand Spends and any Merchant EMI Spends. Earn additional 5% back as NeuCoins on selected categories on Tata Neu App/Website. UPI: Earn up to 1% back as NeuCoins on eligible UPI spends. | • |
| Welcome benefit | Not in MITC | 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. | • |
| Lounge access | Not in MITC | Domestic Lounge Access – VISA / RuPay Card. W.e.f 10-Jun-2025, Domestic Lounge Access benefit will be Milestone based and can be availed as a Lounge Voucher on spends of Rs 50,000 or more in a calendar quarter. Please note, you can access 1 Complimentary Domestic Lounge Voucher per calendar quarter (up to 4 per calendar year). | • |
| Eligibility | Not in MITC | Salaried – Nationality: Indian; Age: 21 – 60 years; Income (Monthly) - ₹25,000. Self-Employed – Nationality: Indian; Age: 21 – 65 years; Annual ITR > ₹6,00,000 | • |
✓ both agree ⚠ differ — verify • MITC only • microsite only
Microsite values are captured VERBATIM from each card's live HDFC page (fetched 2026-07-04). Quality of capture: rich 55, partial 15, thin 4. Open the linked page to verify. See the full schedule of charges → (finance charges, cash-advance, late-fee slabs…), all cited to the MITC.
Verbatim quotes captured from the live microsite
- Joining/Renewal Membership Fee – ₹499/- + Applicable Taxes
- 2% back as NeuCoins on Non-EMI Spends on Tata Neu and partner Tata Brands.
- 1% back as NeuCoins on Non-Tata Brand Spends and any Merchant EMI Spends
- 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.
- 1% fuel surcharge waiver at all fuel stations across India
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