Cards / HDFC

Joining fee

₹1,499

Annual fee

₹1,499

Waiver spend

₹3,00,000

Forex markup

2%

Fee waiver

Spend ₹3,00,000 in a card year and the next annual fee is waived.

That is about ₹25,000 a month.

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Work it out for this card

How the app counts rewards

• 5% NeuCoins on Tata Neu and partner Tata brands (non-EMI)
• 1.5% NeuCoins on groceries (up to 2000 NeuCoins a month)
• 1.5% NeuCoins on utilities (up to 2,000 NeuCoins a month)
• 1.5% NeuCoins on insurance (up to 2,000 NeuCoins a month)
• 1.5% NeuCoins on other non-UPI spends

No rewards on fuel, rent, wallet loads.

Airport lounges

• Domestic: 2 visits a quarter
• International: 4 visits a year

Domestic vouchers need ₹50,000 spend in the calendar quarter. International: 1 a quarter via Priority Pass (Visa) or RuPay lounges

Points

NeuCoins, worth about ₹1 each on the usual redemption. Expire after 1 years.

Who can apply

• Age 21 to 60
• Salaried: income of ₹12,00,000 a year or more
• Self-employed: income of ₹12,00,000 a year or more

Salaried: ₹1 lakh a month, age 21 to 60. Self-employed: ITR over ₹12 lakh, age 21 to 65

Published minimums. Approval is the bank's decision.

Checked against the bank's terms. Banks change terms often, so check the latest terms before applying.

Taken from the bank's page. Rules data version 2026.10.04.

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