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Tata Neu Plus HDFC Bank

Honest review — No affiliate bias — Updated May 2026
CreditIQ Score
8.2
out of 10
Rs. 499
Annual Fee
Rs. 499
Joining Fee
Visa/Mastercard
Network
shopping
Category

CreditIQ Verdict

The Tata Neu Plus HDFC Bank is a shopping credit card from HDFC with an annual fee of Rs.499. The fee is justified if you maximise the card benefits. Best suited for users who spend regularly on shopping categories and want to earn meaningful rewards.

Fees & Charges

Annual FeeRs. 499 + GST
Joining FeeRs. 499 + GST
Interest Rate41.88% per annum (3.33% per month)
Forex Markup3.5% on international transactions
Cash Advance2.5% of amount (min Rs. 500)
Late PaymentRs. 0 - Rs. 1,300 (based on outstanding)

Who Should Apply?

Good fit if you...
+ Spend on shopping regularly
+ Spend Rs.1,996+ per month
+ Have a good credit score (750+)
+ Earn Rs.0.2L+ annually
Skip if you...
- Travel internationally often (high forex markup)
- Carry a balance month-to-month
- Are a first-time credit card user
- Already have a similar card

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Frequently Asked Questions

What is the annual fee of Tata Neu Plus HDFC Bank?
The annual fee is Rs.499 + GST. It is waived if you meet the annual spend threshold.
What is the reward rate on Tata Neu Plus HDFC Bank?
Tata Neu Plus HDFC Bank offers 1. Check the benefits section above for category-specific accelerators.
How to apply for Tata Neu Plus HDFC Bank?
You can apply online through HDFC's website. Eligibility requires a credit score of 750+ and income as per bank criteria. Click the Apply button on this page for a direct, unbiased apply link.
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Quick facts
Annual feeRs.499
NetworkVisa/Mastercard
BankHDFC
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