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HDFC Bank
Tata Neu Plus HDFC Bank
Entry levelCashbackWorks on UPIVisaRuPayVerified 4 Oct 2026
Joining fee
₹499
Annual fee
₹499
Waived on ₹1,00,000/yr spend
Forex mark-up
3.5%
+ 18% GST on the mark-up
Why people pick it
- ✓1% NeuCoins on all spends, 2% on Tata brands
- ✓RuPay variant works on UPI
- ✓Fee waived at ₹1L/yr
Watch out for
- !NeuCoins are only usable inside Tata Neu
Rewards
| 1% NeuCoins on UPI via Tata Neu UPI ID (0.25% elsewhere) | 1% | cap ₹500/mo |
| Everything else (base rate) | 1% | no cap |
No rewards on: Fuel, Rent
Rates are shown as approximate ₹ value per ₹100 spent, after converting points at typical redemption values.
Travel & lounges
- Domestic lounge
- 4 / year
- International lounge
- None
- Spend condition
- ₹50,000 per quarter
Eligibility
- Salaried
- ₹25,000/month
- Self-employed
- ₹6,00,000/yr ITR
- Age
- 21–65 years
- First-time applicants
- Harder
Income figures are indicative; banks decide case by case.
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