Fees
Annual feeINR 499 + GST
Joining feeINR 499 + GST
Renewal feeINR 499 + GST
Fee waiverSpend INR 1,00,000 in 12 months
Spend waiverSpend INR 50,000 in 12 months
Interest rate3.75% per month (45% per annum)
Late paymentINR 100-INR 1,300 (based on amount due)
Forex markup3.50%
Cash advance2.5% of amount (min INR 500)
Eligibility
Min income (salaried)INR 25,000
Min income (self-emp.)Income Tax Return (ITR) > INR 5 lakh/year
Credit scoreGood (700 or above (CIBIL))
Age range21 to 60
Employment typeBoth
Resident typeIndian Resident
Rewards & cashback
Accelerated rate5% NeuCoins on Tata Neu app | 2% 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 lounge2 complimentary visits/quarter (8/year)
International lounge0 visits (no lounge benefit)
Lounge conditionsYes - min spend per quarter
Insurance coverageNo
Hotel/flight offersUp to 5% via Tata Neu (Air Asia, Taj Hotels)
ConciergeNo
Forex waiver3.5% (Standard Rate)
Lifestyle
Dining discountsUp to 10% via Tata Neu dining partners
Fuel surchargeYes – 1% waiver on fuel transactions ₹400–₹5,000; capped ₹250/month (cap introduced May 1, 2026)
OTT subscriptionsYes - Tata Play Binge on milestone
E-commerce offersYes - BigBasket, Croma, Flipkart (via Tata Neu)
Additional5% 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 ₹250/month (eff. May 1, 2026). Lounge access requires INR 50,000 prior-quarter spend (SmartBuy voucher model since Jun 2025).
Credit limit & EMI
Default limitINR 75,000 - INR 1.5 lakh
Max limitINR 5 - INR 10 lakh
Cash withdrawal40% of credit limit
EMI conversionPost-purchase
Min EMI amountINR 5,000+
Balance transferYes
BT interest rateAs per offer
Insurance & protection
Purchase protectionNo
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
Fraud protectionReal-time Transaction Alerts | OTP for Online Transactions | Tokenization (RBI Mandated)
Zero liabilityZero liability if fraud reported within 3 working days
WhatsApp supportYes