What's in it for me?
A clean view of the terms worth comparing.
Earn NeuCoins on eligible spends with varied rates depending on the type of transaction.
01
Rewards and useful benefits
Earn NeuCoins on eligible spends with varied rates depending on the type of transaction.
- 5% back as NeuCoins on Tata Neu and partner Tata Brand Spends
- 5% back as NeuCoins on selected Tata Neu Spends (after registering for Tata NeuPass)
- 1.5% back as NeuCoins on other Non-UPI spends
- 1.5% back on eligible UPI spends
- Welcome Benefit of 1,499 NeuCoins on first transaction
- Insurance benefits including Accidental air death cover worth ₹1 Crore
- 1% fuel surcharge waiver at all fuel stations across India
- Additional benefits including various caps on NeuCoins earned for specific categories
02
Fees and renewal
- Joining
- ₹1,499 + GST
- Annual
- ₹1,499 + GST
- Waiver
- Spend ₹3,00,000 or more in a year, before your Credit Card renewal date and get your renewal fee waived off.
03
Published eligibility
- Income
- ₹1,00,000 (Salaried) / Annual ITR > ₹12,00,000 (Self-Employed)
- Age
- 21 – 60 years (Salaried); 21 – 65 years (Self-Employed)
- Employment
- Salaried or Self-Employed
04
Four lines to check before you apply
- The joining fee, annual fee, GST and the exact annual-fee waiver rule.
- The reward value after redemption—not just the number of points earned.
- Monthly caps, excluded merchant categories and whether UPI transactions qualify.
- Your eligibility, the final application offer and the issuer’s current terms.