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HDFC Bank
HDFC Tata Neu Plus Credit Card against FD
Fd-backed
Rewards
1st Year Fee: ₹499* Plus Applicable Taxes
Rewards Benefits
2% NeuCoins on non-EMI spends
Lounge Access
4 free domestic airport lounge visit p.a.
Co-branded
Save up to 7% on Tata Neu
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About Tata Neu Plus HDFC Credit Card against FD
HDFC Tata Neu Plus Credit Card is a secured credit card designed for consumers who are new to credit or cannot avail for an unsecured card. This card is backed by an fixed deposit of at least Rs. 15,000 with HDFC Bank, which acts as security. This card is also available in an unsecured variant for eligible users.
It offers simple rewards, especially for those who shop across Tata brands. Cardholders can earn 2% NeuCoins on non-EMI spends made via Tata Neu and partner brands, and an extra 5% NeuCoins on purchases through the Tata Neu app or website. Other spends earn 1% NeuCoins, including UPI transactions. The card also offers up to 4 complimentary domestic lounge visits per year, subject to spending conditions, and a 1% fuel surcharge waiver. With a low annual fee and basic benefits, it is suitable option for consumers who are new-to-credit and want to build their credit profile.
Reward Benefits
Reward Program
- 2% NeuCoins on non-EMI purchases made via Tata Neu and partner Tata brands like Air India and Westside1
- Additional 5% NeuCoins on transactions made through the Tata Neu app or website after registering for Tata NeuPass
- 1% NeuCoins on spends at non-Tata brands and on all EMI transactions
- 1% NeuCoins on UPI payments using the RuPay card variant, capped at 500 NeuCoins per month
Reward Redemption
- Redeem the accumulated NeuCoins at a value of 1 NeuCoin = Rs. 1
Other Features & Benefits
Welcome Benefit
- 499 NeuCoins as welcome benefit on Tata neu App on the first transaction done within a month of card activation
Travel Benefits
- 1 complimentary domestic lounge visits per quarter, on spending Rs. 50,000 in the previous quarter
Annual Fee Waiver
- Annual fee will be waived off on a min. spend of Rs. 1 Lakh yearly
Fuel Surcharge Waiver
- 1% fuel surcharge waiver on fuel on a transaction between Rs. 400 to Rs. 5,000, capped at Rs. 250 monthly
Tata Neu Plus HDFC Credit Card against FD: Fees & Charges
| Fee Type | Amount | ||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining Fee | Nil | ||||||||||||||||||
| Annual Fee | Rs. 499 | ||||||||||||||||||
| Finance Charges | 3.75% p.m. | 45% p.a. | ||||||||||||||||||
| Late Payment Charges |
|
Things to Know Before you apply
Get this card if:
You are looking for secured credit card to start your credit journey
You frequently shop at select Tata brands and want to save on your spends
You are looking for a credit card with low annual and joining fee
Other Similar Cards
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What do we like about this card?
Tata Neu Plus is a secured credit card backed by a FD amount of Rs. 15,000. Cardholders can avail 2% back as NueCoins on Non-EMI spends, 1% back as NeuCoins on non Tata-brands and UPI spends. The card also offers additional 5%back NeuCoins on transactions made via Tata Neu App/website. Besides this, the card also offers 4 domestic airport lounge visits on a min. spend of Rs. 50,000 in the previous quarter. This card is a suitable option for the consumers who are new-to-credit and are frequent shoppers at select partner brands.
Pros
- 4 complimentary domestic lounge visits per year
- Extra 5% NeuCoins on transactions through the Tata Neu app or website
- Save up to Rs. 3000 every year on fuel spends
Cons
- 1 NeuCoins are capped at Rs. 500 per month
- Accumulated rewards can be only redeemed on Tata Neu and partner brands
- No international airport lounge visits
Frequently Asked Questions
Everything you need to know about this credit card
HDFC Tata Neu Plus Credit Card against FD is a secured credit card backed by a minimum fixed deposit of Rs. 15,000. It is ideal for new-to-credit consumers and offers rewards, lounge access, and fuel benefits at low annual fees.
Cardholders earn 2% NeuCoins on Tata Neu and partner brand spends, 5% on Tata Neu app/website after registering for Tata NeuPass, and 1% on non-Tata brands or UPI transactions. UPI NeuCoins are capped at 500 per month.
The card provides 4 complimentary domestic airport lounge visits per year, credited quarterly after spending Rs. 50,000 in the preceding quarter. International lounge access is not included. This adds convenience for frequent domestic travelers.
This card is suited for consumers new to credit or seeking a secured card, Tata brand loyalists, and those wanting extra NeuCoins, lounge access, and fuel savings. Annual fee waivers are available with Rs. 1 lakh yearly spending.
The card has a joining fee and annual fee of Rs. 499 plus taxes. Finance charges are 3.75% per month (45% p.a.). Late payment fees range from Rs. 100 to Rs. 1,300, depending on outstanding amounts.
Footnotes
- Tata Neu Partner Brands: Tata 1MG, BigBasket, Croma, Air India Express, Tata CliQ, IHCL (TAJ group of Hotels), Westside, Qmin, Tata Play, Cult, Tata Pay, Titan and Tanishq.
- Fuel, rental or government-related spends, voucher purchases, wallet loads, cash advances, outstanding bill or other fees and charges payments and EMI transactions are not eligible to earn NeuCoins.
Click here to know More Terms and Conditions
Samridhi Srivastava
Samridhi Srivastava is a personal finance content writer who simplifies complex financial topics for everyday readers. She writes about credit cards, credit scores, and other personal finance topics to make money management easier. Through her clear and practical writing, she helps individuals make confident and informed financial decisions.
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