Eligible spend
1 NeuCoins per ₹100 on eligible spend
HDFC RUPAY
Tata Neu Plus RuPay
Should you get this?
Conditional fit
Why this card
- 2 NeuCoins/₹100 on eligible bigBasket, croma, cult.fit, and tata CLiQ
- You spend on bigBasket.
Trade-off
The annual fee (₹499) is waived only when eligible annual spend exceeds ₹1,00,000.
Annual fee ₹499 per year
Rewards 1 NeuCoins / ₹100
Lounge milestone ₹50,000 spend / quarter → voucher option
Forex markup 3.5% high
Compare with Axis Bank ACE →
Similar tier comparison
What it costs to get, and to keep
Joining vs renewalFirst year
₹499joining fee
From year 2
₹499renewal fee
Waived above ₹1,00,000 eligible annual spend
Welcome offer
Welcome Benefit of 499 NeuCoins
Tata Neu
Qualification and fulfilment conditions apply
Rewards
Earning rules
Detail · from the summary aboveScopeRateEligibilityLimit
General spend1 NeuCoins / ₹100Credited as reward pointsDoes not earn on —
- cash advance
- emi
- fuel
- gift card
- government
- grocery
- insurance
- rent
- telecom
- utility
- wallet load
BigBasket (domestic)2 NeuCoins / ₹100Credited as reward points—
Croma (domestic)2 NeuCoins / ₹100Credited as reward points—
Cult.fit (domestic)2 NeuCoins / ₹100Credited as reward points—
Show all 9 earning rules (5 more)
Tata CLiQ (domestic)2 NeuCoins / ₹100Credited as reward points—
Grocery1 NeuCoins / ₹100Credited as reward points1,000 NeuCoins per month; at 1 NeuCoins / ₹100, this lane reaches the cap at ₹1,00,000 of eligible spend
Insurance1 NeuCoins / ₹100Credited as reward points2,000 NeuCoins per month; at 1 NeuCoins / ₹100, this lane reaches the cap at ₹2,00,000 of eligible spend
Telecom1 NeuCoins / ₹100Credited as reward points2,000 NeuCoins per month; at 1 NeuCoins / ₹100, this lane reaches the cap at ₹2,00,000 of eligible spend
Utilities1 NeuCoins / ₹100Credited as reward points2,000 NeuCoins per month; at 1 NeuCoins / ₹100, this lane reaches the cap at ₹2,00,000 of eligible spend
Redemption value
What a NeuCoin is worth
- Catalogue₹1 / pt
When does this card pay for itself?
Rewards break-even estimate ₹50K
Conservative yearly spend needed at the ₹1-per-point ranking floor.
Reward reality — the earning-rate detail behind the numbers above
Reward reality
Conclusion · what you actually getVerified value
₹1 per point
Catalogue
Best verified lane
BigBasket (domestic)
2 NeuCoins / ₹100
View bonus categories →Caps
- Grocery1,000 NeuCoins per month
Why?
at 1 NeuCoins / ₹100, this lane reaches the cap at ₹1,00,000 of eligible spend
- Insurance2,000 NeuCoins per month
Why?
at 1 NeuCoins / ₹100, this lane reaches the cap at ₹2,00,000 of eligible spend
- Telecom2,000 NeuCoins per month
Why?
at 1 NeuCoins / ₹100, this lane reaches the cap at ₹2,00,000 of eligible spend
No reward on
- Rent
- Government payments
- Fuel
- Wallet loads
- +3 more
Realisation
Credited as reward points
Costs & fees
Eligibility
Applicant class · age · incomeReported criteria · as stated by sources
Salaried applicant
- Monthly income
- ₹25,000 or moresecondary
- Minimum age
- 21 years or olderissuer-stated
- Gross monthly income
- Above ₹25,000issuer-stated
Attestation differs per figure — see each tag
Self-employed applicant
- Annual personal income
- Above ₹6,00,000secondary
- Minimum age
- 21 years or olderissuer-stated
- Annual ITR
- Above ₹7,12,00,000issuer-stated
Attestation differs per figure — see each tag
Evidence only · excluded from decisions
Spending requirements
Spend gates · caps · milestone thresholdsRequirementAmountPeriodUnlocks
Annual fee waiver₹1,00,000yearAnnual fee waiver
Domestic lounge spend gate₹50,000quarterLounge eligibility
Reported but unverified
Evidence · not used as this card's figures- Renewal fee
- ₹499Reported by secondary sources · verify with issuer · 1 source
Evidence only · excluded from decisions
Watch outs
Before choosing this card- Forex markup is 3.5%, so frequent international spends may be costly.
Estimated usage
Example usage at this monthly spend
₹
- At this monthly spend, you'd earn: Based on the standard earn rate (1 NeuCoins / ₹100). Up to ~500 NeuCoins/month if the entire spend qualifies. Excluded transactions and category rules earn less. Partner bonuses aren't included.
- Worth ~₹500 at the conservative redemption floor
- Fee waiver achievable at this spend
- Forex cost ~₹1,750 per ₹50k international spend
Illustrative only, using current base rates and snapshot data.
Benefits & charges
Side-by-side factsBenefits
Lounge Access
- Domestic (cardholder)
- 1 per quarter — via RuPay lounge programme · verified 6 Jul 2026 Condition: ₹50,000 spend in the calendar quarter
Issuer documented · corroborating sources · verify issuer terms before applying
Where to verify
- HDFC official Tata Neu Plus Hdfc Bank page
- PaisaBazaar
- Operator-verified anchor
- Shared HDFC Bank In
- International (cardholder)
- Not included on base card No international lounge access.
Issuer documented · corroborating sources · verify issuer terms before applying
Where to verify
- HDFC official Tata Neu Plus Hdfc Bank page
- PaisaBazaar
- Operator-verified anchor
- Shared HDFC Bank In
Rewards
- Base earn
- 1 NeuCoins per ₹100 value depends on redemption
- Effective return (honest floor)
- ~1% base (conservative redemption) · verified 5 Jul 2026 Conservative redemption floor; best documented path is not ranked on.
- Headline point value
- ₹1.00 per NeuCoin (Catalogue) · verified 5 Jul 2026 Operator-verified headline rate — full channel grid in Redemption value.
- Point validity
- Points expire 2 years after earning · verified 7 Jul 2026
Fees & charges
Fees
- Annual fee
- ₹499
- Joining fee
- ₹499 · verified 16 Aug 2026
- Fee waiver spend
- Above ₹1,00,000 · verified 3 Sept 2026 Annual fee waived on eligible anniversary-year spend above ₹1,00,000.
- Interest-free period
- Up to 50 days · verified 7 Jul 2026
- Late-payment charge
- ₹100–₹1,300 depending on outstanding balance Exact charge depends on your outstanding balance per issuer tiers.
International Use
- Forex markup
- 3.5%
Issuer documented · single source · verify on issuer site
Where to verify
- Operator-verified anchor
- Product tier
- Entry-level
Travel & perks
Fuel Benefits
At the pump- 1% fuel surcharge waived on transactions ₹400–₹5,000.
- Maximum waiver ₹250 per month.
Fine print & compare
Compare with similar cards
Similar tier · similar benefitsThe fine print
Caps · exclusions · earning · redemption · last refreshCaps & limits
- Grocery cap: 1,000 NeuCoins per month; at 1 NeuCoins / ₹100, this lane reaches the cap at ₹1,00,000 of eligible spend.
- Insurance cap: 2,000 NeuCoins per month; at 1 NeuCoins / ₹100, this lane reaches the cap at ₹2,00,000 of eligible spend.
- Telecom cap: 2,000 NeuCoins per month; at 1 NeuCoins / ₹100, this lane reaches the cap at ₹2,00,000 of eligible spend.
- Utilities cap: 2,000 NeuCoins per month; at 1 NeuCoins / ₹100, this lane reaches the cap at ₹2,00,000 of eligible spend.
- After the Grocery cap is reached, further spending in that lane earns no rewards.
- After the Insurance cap is reached, further spending in that lane earns no rewards.
- After the Telecom cap is reached, further spending in that lane earns no rewards.
- After the Utilities cap is reached, further spending in that lane earns no rewards.
Exclusions: 7
These spends do not earn reward points.
Payments
- Rent
- Government payments
Financial
- Fuel
- Wallet loads
- Cash advances
- EMI
Other
- NeuCoins Gift or Prepaid Card load/ Voucher purchase
Latest update
- Annual fee: ₹499.
- Forex markup currently listed at 3.5%.
- 1 per quarter domestic lounge · ₹50,000 spend in the calendar quarter.
Common questions
From verified card factsIs this good for lounge access?
1 per quarter domestic lounge. Check current spend criteria, guest rules, visit caps, and airport acceptance before relying on it.
Is this good for international spends?
Forex markup is 3.5%, so frequent international spends may be costly.
Is the annual fee easy to recover?
Fee waiver applies above ₹1,00,000 annual spend. Verify eligible spend exclusions before counting on it.
When do welcome benefits arrive?
Welcome Benefit of 499 NeuCoins. Included items: Tata Neu — Card T&C: Welcome Benefit of 499 NeuCoins (as reversal of 1st Year Membership Fees) on 1st transaction within 30 days of card issuance; claim in Tata Neu App within 60 days. Timing may depend on joining fee payment, card activation, first eligible transaction, or issuer processing.
Learn more
Guides matched to this card — not a random syllabus.
- HDFC SmartBuy
Accelerators, caps, and traps - How reward rate works
Pts / ₹100 without the marketing fog - Billing cycle
Statement date vs due date, clearly