Tata Neu Plus HDFC Bank Credit Card

Only if you'll use the airport lounge visits and can meet the fee waiver; the rewards alone don't cover the fee. The catch: earns nothing on fuel, wallet loads, rent and government payments.

No. It costs ₹499 to join and ₹499 a year, plus GST. Renewal fee waived on spends of ₹1,00,000 or more in the year before the renewal date. Welcome benefit of 499 NeuCoins (credited by Tata Digital in the Tata Neu app) on the first transaction within 30 days of issuance, given as a reversal of the first-year fee.

Yes, it's a RuPay card, so you can link it to UPI apps for merchant payments; it earns 1% on UPI spends.

4 domestic lounge vouchers a year (1 a calendar quarter) after ₹50,000 spend in a calendar quarter.

No NeuCoins on fuel, wallet loads, gift or prepaid card loads and voucher purchases, cash advances, payment of outstanding balances, card fees and charges, Smart EMI and Dial-an-EMI conversions, rental and government-related transactions (incl. municipal taxes, e-challan, NPS), education payments made through third-party apps such as CRED, Cheq or MobiKwik (from 1 Sep 2024; direct payments to schools and colleges still earn), and online skill-based gaming (MCC 5816, from 1 Jul 2025). Merchant EMI taken at the time of purchase still earns 1%; only EMI conversions after the purchase earn nothing.

NeuCoins on eligible UPI transactions (RuPay variant) are capped at 500 per calendar month in total. NeuCoins on grocery transactions are capped at 1,000 per month. NeuCoins on utility transactions are capped at 2,000 per month. NeuCoins on telecom and cable transactions are capped at 2,000 per month (a separate cap from utilities). NeuCoins on insurance transactions are capped at 2,000 per month. HDFC fair usage policy: at most 25,000 points per statement cycle, applied only to spend categories without their own cap. The extra 1% at Tata partner brands applies only up to monthly spend limits per brand: Croma ₹3 lakh; Tata CLiQ and Westside ₹2 lakh; IHCL, Air India Express and Air India ₹4 lakh; 1mg, Cult and Tata Play ₹1 lakh; Tata Pay ₹1 lakh; BigBasket ₹50,000; Titan and Tanishq ₹3 lakh; Qmin and food delivery via Tata Neu ₹50,000 (yearly limits also apply).

The bank publishes a minimum income of ₹25,000 a month for salaried applicants. Self-employed people can apply: ITR of ₹6 lakh a year, going by HDFC Bank's FAQ (another part of its page shows a different figure, so confirm with the bank); age 21–65. Salaried: Indian national, age 21-60, gross monthly income above ₹25,000. Self-employed: Indian national, age 21-65, with an ITR; HDFC Bank's FAQ puts the income bar at ₹6 lakh a year, but its eligibility section shows a different figure, so confirm with the bank. Approval at HDFC Bank's discretion. Approval is at the bank's discretion.