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| Monthly Spend | ₹5K | ₹10K | ₹20K | ₹50K | ₹100K |
|---|---|---|---|---|---|
| Net Reward Yield | (-0.5%)^ | 0.4% | 0.4% | 0.4% | 0.4% |
| Est. Monthly Reward (₹) | (25) | 35 | 75 | 195 | 395 |
| All-India Rewards Rank* | 193 | 171 | 229 | 289 | 294 |
| Within Bank Rank* | 31 | 27 | 29 | 39 | 36 |
| * Based on est. net reward yield for nearly 400 credit cards in India, for each monthly spending level. Read about how we calculate the net reward yield here. | |||||
The Tata Neu Plus HDFC Bank Credit Card offers 2% back as NeuCoins on Non-EMI Spending on Tata Neu and partner Tata Brands, 1% back as NeuCoins on Non-Tata Brand Spending, any Merchant EMI Spends & UPI spending.
Overall, we estimate you can earn a net reward yield of 0.4% on all spending above ₹10,000 with this card in a month.
Consider the Millennia Credit Card if you spend less than ₹50,000 a month on your card.
It offers a net reward yield of 2.3-2.7% on spending up to ₹50,000.
If you spend less than ₹10,000 a month on your card, also consider the Bharat Credit Card with a net reward yield of 1.9-2.4%.
If you spend more than ₹50,000 a month on your credit card, we recommend the 6E Rewards XL – Indigo HDFC Bank Credit Card. We estimate it offers a net reward yield of 2.0-2.2% for high spenders.
Our list of the best credit cards in India, at every spending level and from every bank, is here. You can find a detailed discussion of our methodology here.
| Card | Tata Neu Plus HDFC Bank Credit Card |
|---|---|
| Card Type | Reward |
| Reward Features | 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 1% back on NeuCoins on UPI spends |
| Milestone Rewards | Nil |
| Other Rewards | – 1 Complimentary Domestic Airport Lounge Visits / Qtr |
| Rewards Redemption Fee | ₹99 |
| Reward Caps | – 500 p.m. on property management services including rent
– 1,000 p.m. on Grocery transactions |
| Preferred Redemption Method | Use your NeuCoins for purchases on Tata Products 1Neu Coin= ₹0.90 |
| Card | Tata Neu Plus HDFC Bank Credit Card | |
|---|---|---|
| Joining Fee | ₹499 + Taxes | |
| Annual Fee | ₹499 + Taxes | |
| Min. Annual Credit Card Spend for Fee Waiver |
₹1 Lacs | |
| Income Criteria | Salaried | ₹25,000 |
| Self-employed | ITR>₹6 Lacs | |
| Supplementary Card Fee | Free | |
| Interest Rate | 45.00% p.a. | |
| Foreign Currency Markup | 3.50% | |
| Cash Advance Charge | 2.50% with a minimum of ₹500 | |
Questions? Suggestions? See a mistake? Write to us!
Our analysis of 100s of flights shows that miles from international airlines are worth much less in India that they are globally, between 16-54% less. Their value in India is between ₹0.50/mile for the Etihad to ₹0.80/mile for BA & SQ.
2 Free Movie / Stream / Play / Events / Sports / Activities tickets up to ₹250 each and ₹100 off on F&B Spends on BookMyShow tickets.
8 reward points / ₹400 on bill payments & education and 1 point on all other spends. Fuel surcharge waiver of up to ₹100 per month.
