Tata Neu Plus HDFC
EntryHDFC Bank
Where it ranks · across all 71 cards
Reward rules
Base rate - everything not covered below
cashback
1.00%
effective
2% NeuCoins at Tata Neu AND all partner Tata brands (1% base + 1% additional, MID/TID-based)
2 pts / ₹100= 2 pts per ₹100
valued at ₹1/pt for this rule
2.00%
conservative value
Source: Tata Neu Plus T&C · 2026-08-20
Base rate, but capped - these categories earn normally up to a monthly ceiling
Earns nothing on
- ⊘ Fuel earns no NeuCoins.
- ⊘ Rental transactions earn no NeuCoins.
- ⊘ Government transactions earn no NeuCoins.
- ⊘ Wallet loads, gift/prepaid cards and voucher purchases earn nothing.
- ⊘ Education via third-party apps earns nothing (1 Sep 2024).
- ⊘ Online skill-based gaming (MCC 5816) earns nothing w.e.f. 1 Jul 2025.5816bank MCC list→ use Axis Magnus for Burgundy here (10.5%)
- ⊘ Smart EMI/Dial-an-EMI earn nothing; merchant EMI earns the 1% base.
Plays with this card
- 🪙 The gold coin play - the honest 5% version
Buy gold coins at Tanishq/Titan on the Tata Neu Infinity card and earn 5% NeuCoins - the T&C explicitly ADDS Titan/Tanishq as partner brands and has no jewellery exclusion. The "10%" version on Reddit is wrong: Tanishq excludes gold coins from its own program, and NeuPass excludes Tanishq entirely.
₹1,00,000 gold coin on Infinity → 5,000 NeuCoins = ₹5,000 (5.0%). Brand-side: +0 (Tanishq FAQ: "gold coins/bars & gift cards are excluded"). NeuPass extra: +0 (Tanishq is on the exclusion list). Plus card: 2%.
- 🧾 Household bills through Tata Pay at 5%
Bill payments on the Tata Neu app earn the full partner rate - 5% on Infinity - on up to ₹1,00,000 of bills a month. One of the strongest bill lanes in the market, printed in the T&C.
₹20,000/month of bills → 1,000 NeuCoins = ₹1,000 (5%) → ₹12,000/year; cap ₹1L/month, ₹6L/year.