Fees
Annual feeINR 1,499 + GST
Joining feeINR 1,499 + GST
Renewal feeINR 1,499 + GST
Fee waiverSpend INR 3,00,000 in 12 months
Spend waiverSpend INR 1,00,000 in 12 months
Interest rate3.75% per month (45% per annum)
Late paymentINR 100-INR 1,300 (based on amount due)
Forex markup2%
Cash advance2.5% of amount (min INR 500)
Eligibility
Min income (salaried)INR 50,000
Min income (self-emp.)Income Tax Return (ITR) > INR 8 lakh/year
Credit scoreGood to excellent (750 or above (CIBIL))
Age range21 to 60
Employment typeBoth
Resident typeIndian Resident
Rewards & cashback
Accelerated rate10% NeuCoins on Tata Neu app | 5% on partner Tata brands
Redemption optionsBank's own online redemption store (Tata Neu ecosystem - BigBasket, Croma, Air Asia, Taj Hotels, etc.)
Points expiryNo Expiry
Travel & lounge
Domestic lounge4 complimentary visits/quarter (16/year)
International lounge4 visits/year via Priority Pass
Lounge conditionsNo
Insurance coverageYes
Hotel/flight offersUp to 10% via Tata Neu | Taj Hotel benefits
ConciergeYes
Forex waiver2.0% - 3.0%
Lifestyle
Dining discountsUp to 15% via Tata Neu dining partners
Fuel surchargeYes – 1% waiver on fuel transactions ₹400–₹5,000; capped ₹500/month (cap introduced May 1, 2026)
OTT subscriptionsYes - Tata Play Binge | Disney+ Hotstar on milestone
E-commerce offersYes - BigBasket, Croma, 1mg, Tata CLiQ
Additional10% NeuCoins benefit on Tata Neu app spends requires payment with the Tata Neu HDFC card itself (eff. May 1, 2026); UPI-via-other-card loophole closed. UPI NeuCoins capped at 500/month. Fuel surcharge waiver capped at ₹500/month (eff. May 1, 2026). Domestic lounge requires INR 50,000 prior-quarter spend (SmartBuy voucher model since Jun 2025).
Credit limit & EMI
Default limitINR 1.5 - INR 4 lakh
Max limitINR 10 lakh+
Cash withdrawal40% of credit limit
EMI conversionPost-purchase
Min EMI amountINR 10,000+
Balance transferYes
BT interest rateAs per offer
Insurance & protection
Purchase protectionYes
Lost card liabilityYes - zero liability on timely reporting
Digital & security
ContactlessYes
Virtual cardYes
App featuresReal-time Spend Alerts | Card Lock/Unlock | Set/Modify Limits | View Statements & Due Dates | Convert to Equated Monthly Instalment (EMI) | Rewards Tracking & Redemption | Autopay Setup
Card controlsBlock/Unblock Card | Enable/Disable International Usage | Enable/Disable Online Transactions | Set Transaction Limits | Automated Teller Machine (ATM) Withdrawal Toggle
Fraud protectionReal-time Transaction Alerts | AI-Based Risk Monitoring | OTP for Online Transactions | Tokenization (RBI Mandated)
Zero liabilityZero liability if fraud reported within 3 working days
WhatsApp supportYes