HDFC Tata Neu Plus cashback rate, cap and annual fee
HDFC Tata Neu Plus pays 2% at partner Tata brands, and 8 other rates. The card costs INR 499 a year.
This is information about each card's published terms, not a recommendation to apply. PayperWIZ arranges no credit and is paid nothing by any bank or card issuer.
HDFC Bank · India · catalogue v121
Read from HDFC Bank's own published terms on 30 Oct 2026.
What it pays, by category
| Spending | Rate | Monthly cap |
|---|---|---|
| partner Tata brandsonline and delivery | 2.00% | —2% (1% base + 1% additional) on non-EMI, non-UPI spends at Tata CLiQ, Croma, Westside, Tata 1mg, Tata Play, Cult, Qmin and the other partner Tata bran |
| Air India, Air India Express and IHCLtravel | 2.00% | INR 8,000reached at INR 400,000 of spend2% at Air India, Air India Express and IHCL hotels, on the first ₹4 lakh a month. |
| BigBasketgroceries | 2.00% | INR 1,000reached at INR 50,000 of spend2% at BigBasket, inside the 1,000-NeuCoin grocery cap. |
| everything else | 1.00% | —1% back as NeuCoins on non-Tata, non-UPI spends and on merchant EMI. |
| groceries | 1.00% | INR 1,000reached at INR 100,000 of spend1%, at most 1,000 NeuCoins a month. |
| utility billsgovernment | 1.00% | INR 2,000reached at INR 200,000 of spendUtilities earn 1%, at most 2,000 NeuCoins a month. |
| phone and internet | 1.00% | INR 2,000reached at INR 200,000 of spendTelecom and cable earn 1%, at most 2,000 NeuCoins a month. |
| paid through UPI with the Tata Neu UPI IDeverything else | 1.00% | INR 500reached at INR 50,000 of spend1% on UPI through the Tata Neu UPI ID (0.25% + 0.75%), inside the same 500 NeuCoins a month. |
| paid through UPIeverything else | 0.25% | INR 500reached at INR 200,000 of spend0.25% on UPI spends (RuPay variant), 500 NeuCoins a month for all UPI. |
| fuel | None | —Fuel earns no NeuCoins. |
| rent and property | None | —Rent earns no NeuCoins (MITC, all cards since 1 Jan 2023). |
| government | None | —Government payments earn no NeuCoins. |
| paid through third-party apps | None | —Education paid through CRED, Cheq, MobiKwik and similar apps earns no NeuCoins; paid direct to the school or college it earns the base rate. |
Questions people ask
What cashback does the HDFC Tata Neu Plus pay?
2% at partner Tata brands, and 8 other rates.
Is there a cap on the HDFC Tata Neu Plus?
Yes. air india, air india express and ihcl is capped at INR 8,000 a month; bigbasket is capped at INR 1,000 a month; groceries is capped at INR 1,000 a month; and so on.
What is the annual fee on the HDFC Tata Neu Plus?
INR 499 a year.
Knowing the rate is not the same as remembering it
PayperWIZ holds the cards you actually own and names the right one at the till — after the cap you have already used this month, and after the foreign-currency fee. Every rate in it says where it came from, the way this page does: read off the issuer and dated, or marked indicative.
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