Tata Neu Plus HDFC Bank Credit Card

2% at verified Tata partner brands; 1% on other eligible non-UPI spend.

How this estimate works

Tata Neu Plus earns 2% NeuCoins on eligible non-EMI transactions at partner Tata brands and 1% on other eligible non-UPI purchases. HDFC says 1 NeuCoin equals ₹1 usable for eligible purchases through Tata Neu, not a statement cash credit; it lists the participating redemption brands on its product page. The separate verified Tata Neu partner chip requires that you confirm the issuer-listed partner brand and qualifying non-EMI card purchase; the generic Tata brands chip gives zero. This model excludes the extra conditional 5% NeuPass earn, which requires signup, selected categories and the primary cardholder phone number. The grocery chip uses only 1% generic spend with a 1,000 NeuCoins/month grocery cap; a verified partner purchase can instead use the Tata-brand chip. Fuel, government, rent and wallet loads earn no coins; utility, insurance, online gaming, EMI and some named brands have special rules, so they are not blindly valued. The model assumes one qualifying purchase of the entered amount each month and deducts ₹499 plus estimated GST. First-transaction welcome NeuCoins, the ₹1 lakh preceding-year renewal waiver, UPI boost and lounge benefits are omitted. NeuCoins earned since 1 August 2025 expire 12 months from the end of the month of credit, so the value is realizable only if the user can spend them at participating brands before expiry.

Issuer terms

Issuer card, fees and coin rules · Issuer value chart

Terms checked 29 September 2026. Coin redemption is limited to Tata Neu, and conditional boosts are omitted.