HDFC Bank · Entry

Tata Neu Plus HDFC

Annual fee

₹499waived at ₹1,00,000/yr

Forex markup

3.5%

Base earn

1.00%

Best direct earn

normal swipe, portal/voucher excluded

2.00%

Lounge

1 dom lounge voucher/quarter (up to 4/yr) gated on ₹50,000 quarterly spends (10 Jun 2025)

4 dom · 0 intl

Network

RuPay

Tata Neu Plus MITC hdfcbank.com · read 20 Aug 2026
Tata Neu Plus T&C, 3 Jan 2026 (bank PDF) hdfc.bank.in · read 22 Aug 2026

Every figure on this page traces to one of these. Nothing is inferred from a tracker.

Bank-confirmed. Reward figures verified against the issuer’s own website.
Card source: Tata Neu Plus MITC - hdfcbank.com - read 20 Aug 2026.
No affiliate link on this card.

Where it ranks across all 187 cards

#14 Jewellery & watches 2.0% at Tanishq direct #27 Electronics 2.0% at Croma direct #32 Hotels 2.0% at Taj / IHCL hotels direct

#35 Groceries 2.0% at BigBasket direct #18 Insurance 1.0% direct #22 Utility bills 1.0% direct #37 Mobile / broadband 1.0% direct #41 Train tickets 1.0% direct #45 Other 1.0% direct #47 Cabs & transit 1.0% direct #49 Health & pharmacy 1.0% direct #62 Flights 1.0% direct #64 Fashion 1.0% direct #65 Online shopping 1.0% direct #66 Food delivery 1.0% direct #66 Movies & events 1.0% direct #67 Dining out 1.0% direct

Get an email if this card changes - sign in.

Reward rules2 direct

Base rate - everything not covered below

1.00%base rate

1% cashback

source

Source: Tata Neu Plus MITC - hdfcbank.com - read 20 Aug 2026

2% NeuCoins at Tata Neu AND all partner Tata brands (1% base + 1% additional, MID/TID-based)

2.00%this rule

2 pts / ₹100

source

Source: Tata Neu Plus T&C - hdfcbank.com - read 20 Aug 2026

Base rate, but capped4

Utilities: base rate capped 2,000 NeuCoins/month

base rate

2,000 NeuCoins/month

source

Source: Tata Neu Plus T&C, 3 Jan 2026 (bank PDF) - hdfc.bank.in - read 22 Aug 2026

Telecom: base rate capped 2,000 NeuCoins/month

base rate

2,000 NeuCoins/month

source

Source: Tata Neu Plus T&C, 3 Jan 2026 (bank PDF) - hdfc.bank.in - read 22 Aug 2026

Grocery: base rate capped 1,000 NeuCoins/month

base rate

1,000 NeuCoins/month

source

Source: Tata Neu Plus T&C, 3 Jan 2026 (bank PDF) - hdfc.bank.in - read 22 Aug 2026

Insurance: base rate capped 2,000 NeuCoins/month

base rate

2,000 NeuCoins/month

source

Source: Tata Neu Plus T&C, 3 Jan 2026 (bank PDF) - hdfc.bank.in - read 22 Aug 2026

Percentages here are each rule's own rate. The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and portal/voucher routes above are shown for completeness but never set it.

Earns nothing on7 exclusions

Fuel

earns nothing

Fuel earns no NeuCoins.

→ use IndianOil RBL XTra here (7.5%)

detail & source

categories: Fuel

Source: Tata Neu Plus T&C, 3 Jan 2026 (bank PDF) - hdfc.bank.in - read 22 Aug 2026

Rent

earns nothing

Rental transactions earn no NeuCoins.

→ use Axis Burgundy Private here (4.2%)

detail & source

categories: Rent

Source: Tata Neu Plus T&C, 3 Jan 2026 (bank PDF) - hdfc.bank.in - read 22 Aug 2026

Government / tax

earns nothing

Government transactions earn no NeuCoins.

→ use Biz Black Metal Edition Credit Card here (2.5%)

detail & source

categories: Government / tax

Source: Tata Neu Plus T&C, 3 Jan 2026 (bank PDF) - hdfc.bank.in - read 22 Aug 2026

Wallet load

earns nothing

Wallet loads, gift/prepaid cards and voucher purchases earn nothing.

→ use SC Ultimate here (3.3%)

detail & source

categories: Wallet load

Source: Tata Neu Plus T&C, 3 Jan 2026 (bank PDF) - hdfc.bank.in - read 22 Aug 2026

Education

earns nothing

Education via third-party apps earns nothing (1 Sep 2024).

→ use Axis Burgundy Private here (5.2%)

detail & source

categories: Education

Source: Tata Neu Plus T&C, 3 Jan 2026 (bank PDF) - hdfc.bank.in - read 22 Aug 2026

Gaming

earns nothing

Online skill-based gaming (MCC 5816) earns nothing w.e.f.

→ use FIRST Private here (6.6%)

detail & source

1 Jul 2025.

categories: Gaming · MCCs: 5816

Source: Tata Neu Plus T&C, 3 Jan 2026 (bank PDF) - hdfc.bank.in - read 22 Aug 2026

EMI

earns nothing

Smart EMI/Dial-an-EMI earn nothing; merchant EMI earns the 1% base.

→ use Kotak Solitaire Credit Card here (3.0%)

detail & source

categories: EMI

Source: Tata Neu Plus T&C, 3 Jan 2026 (bank PDF) - hdfc.bank.in - read 22 Aug 2026

499 NeuCoins as reversal of the 1st year membership fee

on joining · applicable on the 1st transaction done within 30 days of card issuance; claimable inside the Tata Neu app within 60 days of that transaction (window extends to 180 days from statement date for eligible customers). Lifetime Free / First Year Free cards are not eligible

Source: HDFC Bank - Tata Neu Plus HDFC Bank Credit Card T&C - hdfc.bank.in - read 11 Oct 2026

Rent

HDFC rent fee 1% + GST (capped ₹4,999 per transaction)

🪙 The gold coin play - the honest 5% version

Buy gold coins at Tanishq/Titan on the Tata Neu Infinity card and earn 5% NeuCoins - the T&C explicitly ADDS Titan/Tanishq as partner brands and has no jewellery exclusion. The "10%" version on Reddit is wrong: Tanishq excludes gold coins from its own program, and NeuPass excludes Tanishq entirely.

₹1,00,000 gold coin on Infinity → 5,000 NeuCoins = ₹5,000 (5.0%). Brand-side: +0 (Tanishq FAQ: "gold coins/bars & gift cards are excluded"). NeuPass extra: +0 (Tanishq is on the exclusion list). Plus card: 2%.

🧾 Household bills through Tata Pay at 5%

Bill payments on the Tata Neu app earn the full partner rate - 5% on Infinity - on up to ₹1,00,000 of bills a month. One of the strongest bill lanes in the market, printed in the T&C.

₹20,000/month of bills → 1,000 NeuCoins = ₹1,000 (5%) → ₹12,000/year; cap ₹1L/month, ₹6L/year.