Fees
Annual feeINR 1,499 + GST
Joining feeINR 1,499 + GST
Renewal feeINR 1,499 + GST
Fee waiverAnnual spend of INR 3 lakh in previous year
Spend waiverSpend INR 1,00,000 in 12 months
Interest rate3.75% per month (45% per annum)
Late paymentINR 400-INR 1,300 (based on amount due)
Forex markup1.99%
Cash advance2.5% of amount (min INR 500)
Eligibility
Min income (salaried)INR 25,000/month
Min income (self-emp.)INR 4 - INR 6 lakh/year
Credit score700 - 750 (CIBIL score)
Age range21 to 60
Employment typeBoth
Resident typeIndian Resident
Rewards & cashback
Accelerated rateYes - up to 10% value back (extra 5% on select Tata Neu categories)
Cashback %5%
Cashback capCategory-wise caps apply
Redemption optionsCashback (direct) via Tata Neu app/website, Flights & Hotels via Air India
Points expiryNo Expiry
Travel & lounge
Domestic loungeNo dedicated domestic airport lounge access
International lounge4 visits/year via Priority Pass (1 per quarter)
Lounge conditionsYes
Insurance coverageNo
Hotel/flight offers10% - 15%
ConciergeNo
Forex waiver1.0% or Lower
Lifestyle
Fuel surchargeYes
OTT subscriptionsNo
E-commerce offersYes
AdditionalReward point statement redemption capped at 60,000 points/month (eff. April 1, 2026); redemptions in multiples of 4,000 points only.
Credit limit & EMI
Max limitINR 3 - INR 5 lakh
Cash withdrawal20% - 40%
EMI conversionPost-purchase
Min EMI amountINR 2,500 - INR 3,000
BT interest rate0% - 0.75% per month
Insurance & protection
Purchase protectionNo
Digital & security
Virtual cardYes
App featuresReal-time Spend Alerts, Card Lock/Unlock, View Statements & Due Dates, Rewards Tracking & Redemption, Block Lost/Stolen Card
Card controlsBlock/Unblock Card, Enable/Disable International Usage, Enable/Disable Online Transactions, Card PIN Reset, Report Lost/Stolen Card
Fraud protectionReal-time Transaction Alerts, Tokenization (RBI Mandated), OTP for Online Transactions
Zero liabilityZero liability if fraud reported within 3 working days
WhatsApp supportYes