Fee waiverRenewal fee waived above ₹3L annual spend (no waiver mechanism exists for the joining fee)
Why this card
5% NeuCoins on non-EMI Tata Neu and partner Tata Brand spends; 1.5% on EMI (even on Tata brands) and all other spends
Up to 1.5% on UPI via Tata Neu — 0.5% base (credited by HDFC) + 1% extra via your Tata Neu UPI ID (credited to the Tata Neu account, capped at 500 NeuCoins/month)
1,499 NeuCoins welcome benefit on your first transaction within 30 days (not applicable on lifetime-free/first-year-free cards)
Extra 5% NeuCoins on select Tata Neu App categories with a NeuPass membership (Bill Payment/Tata Pay, Tanishq, Cult.fit, Air India and Tata Play are excluded)
2 domestic lounge vouchers each quarter (up to 8/year) on ₹50,000+ quarterly spend, plus 4 international lounge visits a year (1/quarter) via Priority Pass
Insurance suite: ₹1 crore accidental air death cover, up to ₹15 lakh emergency overseas hospitalisation, up to ₹9 lakh lost-card liability cover
Card servicing
Credit Card Management & Controls
NeuCoins Redemption
Contactless Payment
More from HDFC Bank
HDFC Bank Pixel Go
Cashback
5% cashback on SmartBuy transactions
1% cashback on all other spends, plus 1% on UPI spends (RuPay variant, capped at 500 CashPoints/month)
No CashPoints on fuel, EMI, rent, wallet-load or government transactions
HDFC Bank Pixel Play
Cashback
5% cashback on any 2 spend packs of your choice, from 5 available (BookMyShow+Zomato, MakeMyTrip+Uber, Blinkit+Reliance Smart Bazaar, Electronics via Croma & Reliance Digital, Fashion via Nykaa & Myntra)
3% cashback on Amazon, Flipkart or PayZapp
1% cashback on UPI spends (RuPay variant)
Marriott Bonvoy
Travel
Marriott Bonvoy Silver Elite status plus a welcome Free Night Award (up to 15,000 points) and 10 Elite Night Credits, triggered by a single ₹500+ transaction within 90 days of card issuance (or on fee levy, whichever comes first)
Up to 3 more Free Night Awards a year, at ₹6L / ₹9L / ₹15L annual spend milestones
8 Bonvoy points per ₹150 spent at Marriott hotels; 4 points per ₹150 on travel, dining and entertainment; 2 points per ₹150 elsewhere
Card names, fees and figures shown are illustrative; verify current terms with HDFC Bank directly before applying.