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Tata Neu Plus HDFC Bank
HDFC • RuPay

Tata Neu Plus HDFC Bank

2% NeuCoins on Tata Neu App

Annual Fee₹499Waived on 1L spend
Base Reward1.0%On all spends
Lounge Access128 domestic • 4 intl
Est. Annual Savings₹1,389Based on ₹4.8L annual spend

Fee waiver & value estimator

Adjust your spend to see fee waiver eligibility and capped rewards.

Annual fee
₹30,000 / mo
₹3,60,000 / year
Estimated rewards₹3,600

Assumes base reward rate only.

Annual feeWaived

Waived on 1L spend

Net value₹3,600

Estimated savings per year.

Fee waiver target: ₹1,00,000 annual spend.

Reward Rate Breakdown

Category-wise reward rates for this card

Shopping
2.0%
Basedefault
1.0%
UPI
1.0%

Insights

Verified card-level notes, best use-cases, and watchouts.

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Insights

  • Tata Neu Plus HDFC Bank is best positioned as a shopping + upi specialist rather than a universal all-spend card.
  • Its current reward model is anchored around 2.0% on shopping-aligned lanes, while broad base return remains closer to 1.0%.
  • Current mapped lounge footprint is 12, adding travel-side utility when issuer eligibility conditions are met.

Best Utilization

  • Route this card to shopping and upi spends first, then shift spillover transactions to stronger category alternatives.
  • Track statement outcomes monthly to confirm that expected reward credits are posting in the intended merchant/category buckets.
  • Maintain break-even discipline against the annual fee of INR 499 and reduce allocation if annual net value weakens.

Watchouts

  • points-value realization depends on redemption choice and transfer use
  • Lounge access may still require spend/quarter gating or program conditions; verify issuer terms before travel plans.
  • Category caps, partner restrictions, and MCC-level exclusions can materially reduce realized value versus headline promotion copy.

Truth Data Snapshot

Issuer-linked details for offers, redemption, lounges, and reliability status.

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Offer Truth

  • Joining fee₹499
  • Annual fee₹499
  • Waiver threshold₹1,00,000
  • Cap typemixed
  • Cap resetmixed
  • Last verified2026-02-13

Redemption Truth

  • Cash value/point₹1
  • Travel value/point₹1
  • Transfer partners0
  • Min redemption₹1
  • Expiry policyNeuCoins validity follows Tata Neu program policy; issuer page should be checked at redemption time.
  • Last verified2026-02-13

Lounge Truth

  • NetworkRuPay
  • Domestic count4
  • International count0
  • Quarterly limit1
  • Airport-terminal rows0
  • Policy check2026-02-13

Reliability + Outcomes

  • Verification statusverified
  • Freshness days0
  • Source conflicts0
  • Applied reports14
  • Approval reports8

Upgrade Path

These are objective same-bank step-up options from the current rewards and lounge model.

Step 1

HDFC Millennia

Annual fee: ₹1000

Shared focus: Shopping+7 more lounge visits in current datasetHigher top earn rate (5.0%)
View Details
Step 2

Tata Neu Infinity

Annual fee: ₹1499

Shared focus: UPI, ShoppingHigher product tier within same bank+5 more lounge visits in current dataset
View Details
Step 3

Swiggy HDFC Bank

Annual fee: ₹500

Shared focus: ShoppingHigher top earn rate (10.0%)Estimated +₹6,435/yr value
View Details

Lounge Eligibility Checklist

Mapped from issuer lounge dataset + card policy signals

Lounge Spend Tracker

Eligibility target met: No

Track lounge eligibility for Tata Neu Plus HDFC Bank using your current period spend.

₹0 spentAdd threshold to start tracking

No spend threshold was detected from current lounge policy text. You can still track manually.

Spend threshold

Waived on 1L spend

Quarter / cycle rule

4 Complimentary Domestic Lounge Access per calendar year (1 per quarter)

Guest access

Guest access policy is not explicitly listed in current data.

Priority Pass

International lounge access is listed; verify if this is via Priority Pass or direct network.

Lounge Locations

12 airport lounge rows
View lounge map and location list12 rows
Loading interactive lounge map...

Click a city marker to jump to its lounge list below.

Bengaluru

4 lounges • 3 domestic • 1 international

4
080 Domestic Lounge EastDomestic

BEN • Bengaluru Airport • Terminal 1

080 Domestic Lounge West PH1Domestic

BEN • Bengaluru Airport • Terminal 1

080 Domestic Lounge West PH2Domestic

BEN • Bengaluru Airport • Terminal 1

080 International LoungeInternational

BEN • Bengaluru Airport • Terminal 2

Chennai

3 lounges • 2 domestic • 1 international

3
Travel Club LoungeInternational

CHE • Chennai Airport • Terminal 2

Travel Club Lounge ADomestic

CHE • Chennai Airport • Terminal 1

Travel Club Lounge BDomestic

CHE • Chennai Airport • Terminal 1

Hyderabad

2 lounges • 1 domestic • 1 international

2
Encalm LoungeDomestic

HYD • Hyderabad Airport • Terminal 1

Encalm LoungeInternational

HYD • Hyderabad Airport • Terminal 1

Kolkata

1 lounges • 1 domestic • 0 international

1
Travel Club LoungeDomestic

KOL • Kolkata Airport • Terminal 1

Mumbai

2 lounges • 1 domestic • 1 international

2
Adani East LoungeInternational

MUM • Mumbai Airport • Terminal 2

Adani LoungeDomestic

MUM • Mumbai Airport • Terminal 2

Redemption Optimizer Unavailable

Redemption optimization is unavailable for this card right now; this card is better evaluated via direct cashback and feature value.

Key Benefits

  • Earn up to 1% back as NeuCoins on eligible UPI spends
  • 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 Merchant EMI Spends
  • 4 Complimentary Domestic Lounge Access per calendar year (1 per quarter)

Things to Consider

  • NeuCoins expire in 1 year

About Tata Neu Plus HDFC Bank

Tata Neu Plus HDFC Bank is a points card from HDFC, best for tata pay users. It is tagged under shopping, upi categories in our database.

ShoppingUPI

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Frequently asked questions

Is Tata Neu Plus HDFC Bank lifetime free?

It has an annual fee of ₹499. Waived on 1L spend

What rewards does Tata Neu Plus HDFC Bank offer?

2% NeuCoins on Tata Neu App

Does Tata Neu Plus HDFC Bank include lounge access?

Tata Neu Plus HDFC Bank lists 12 lounge visits (8 domestic, 4 international).

Who should consider Tata Neu Plus HDFC Bank?

Tata Pay Users

Where can I apply for Tata Neu Plus HDFC Bank?

Check the issuer website for application availability.