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 | ₹499 + taxes | ✓ |
| Fee waiver (min spend) | ₹1 lakh / AnnumMITC v4.3, fee table L580-582 | ₹1 lakh/year (renewal fee waived on spends of ₹1,00,000+ in preceding year) | ✓ |
| 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 | NOT STATED | • |
| 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 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 | Not in MITC | 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 | Not in MITC | 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 | • |
| Eligibility | Not in MITC | Salaried: min net monthly income ₹25,000; Self-employed: min annual income ₹6 lakh; age 21+ (salaried <60 yrs, self-employed <65 yrs) | • |
✓ both agree ⚠ differ — verify • MITC only • microsite only
Live microsite fetch this run: thin 37, ok 3, blocked 1. HDFC microsites are JavaScript-rendered, so where the live fetch was thin the microsite column shows the fact as previously recorded from that card’s HDFC page — open the linked URL 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
- Tata Neu Plus HDFC Bank Credit Card
- Extraordinary Rewards. Ready for You.
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