{
  "id": "hdfc-tata-neu-plus-credit-card",
  "locale": "en",
  "name": "HDFC Tata Neu Plus Credit Card",
  "bank": "HDFC Bank",
  "cardType": "shopping",
  "cardTier": "entry",
  "annualFee": "₹499 + GST",
  "loungeAccess": "4 Complimentary Domestic Airport Lounges/yr (1 per quarter)",
  "rewardsRate": "4.9% on Tata Neu / BigBasket / Croma · 1% on UPI QR / Spends · 4 Lounges",
  "bestFor": "Tata ecosystem shopping (BigBasket, 1mg, Croma, Air India, Tata CLiQ), UPI payments & domestic lounges",
  "officialLink": "https://www.hdfc.bank.in/credit-cards/tata-neu-plus-hdfc-bank-credit-card",
  "aiVerdict": {
    "score": 4.8,
    "summary": "Its modest reward rate and low annual fee offset limited lounge access.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "Limited lounge access compared with premium travel cards"
    ],
    "confidence": 1
  },
  "rewardRatePercent": 1,
  "affiliateId": "hdfc-tata-neu-plus-credit-card",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "LIVE_VERIFIED",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "HDFC Bank — Tata Neu Plus HDFC Bank Credit Card schedule of charges",
    "Tata Neu app NeuCoins earning and redemption terms"
  ],
  "feeWaiver": "Waived at ₹1,00,000 annual spend",
  "networks": [
    "RuPay",
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "Tata Ecosystem",
      "value": "4.9% NeuCoins (2% Card + 2.9% NeuPass)"
    },
    {
      "key": "UPI QR Payments",
      "value": "1% NeuCoins (RuPay)"
    },
    {
      "key": "Airport Lounges",
      "value": "4 Domestic / yr (1/qtr)"
    },
    {
      "key": "Redemption",
      "value": "1 NeuCoin = ₹1 on Tata Neu"
    },
    {
      "key": "Fee Waiver Target",
      "value": "₹1,00,000 / year"
    },
    {
      "key": "Annual Fee",
      "value": "₹499 + GST"
    }
  ],
  "earnRates": [
    {
      "category": "Tata Neu Brands (BigBasket, Croma, 1mg, Air India)",
      "rate": "4.9% NeuCoins",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "4,900 NeuCoins (₹4,900)"
    },
    {
      "category": "RuPay UPI QR Merchant Payments",
      "rate": "1.0% NeuCoins",
      "monthlyCap": "500 NeuCoins / mo",
      "perLakhSpent": "1,000 NeuCoins (₹1,000)"
    },
    {
      "category": "All Other Domestic Retail Spends",
      "rate": "1.0% NeuCoins",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "1,000 NeuCoins (₹1,000)"
    },
    {
      "category": "Fuel & Rent",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 NeuCoins"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Tata Neu Ecosystem",
      "multiplier": "4.9%",
      "rate": "4.9% NeuCoins",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "BigBasket, Croma, 1mg."
    },
    {
      "channel": "RuPay UPI Payments",
      "multiplier": "1.0%",
      "rate": "1% NeuCoins",
      "monthlyCap": "500 / mo",
      "dailyCap": "—",
      "note": "Merchant QR Scan & Pay."
    },
    {
      "channel": "Airport Lounges",
      "multiplier": "4 / year",
      "rate": "1 / quarter",
      "monthlyCap": "1 / qtr",
      "dailyCap": "—",
      "note": "Across Indian airports."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Tata Neu App Purchases",
      "value": "1 NeuCoin = ₹1.00",
      "minPoints": "1 NeuCoin",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "Air India & Taj Bookings",
      "value": "1 NeuCoin = ₹1.00",
      "minPoints": "1 NeuCoin",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": false
    }
  ],
  "exclusions": [
    "Rent payments.",
    "Fuel purchases (1% surcharge waiver on ₹400–₹5,000).",
    "Wallet load transactions."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹499 + GST"
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹499 + GST (Waived at ₹1 Lakh spend)"
    },
    {
      "item": "Forex Markup",
      "value": "3.5% + GST"
    },
    {
      "item": "Finance Charges",
      "value": "3.49% / month (41.88% / year)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Age",
      "requirement": "21–60 years"
    },
    {
      "criteria": "Salaried Income",
      "requirement": "₹25,000+ monthly net salary"
    },
    {
      "criteria": "Self-Employed Income",
      "requirement": "ITR above ₹3.0 Lakhs per annum"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}