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Fees & charges
Joining feeLifetime free
Annual feeLifetime free
Fee waiverNo fee waiver
Forex markup0%
Finance charge3.75% p.m. (45% p.a.)
Cash advance fee2.5% of the amount withdrawn or ₹500, whichever is higher
Late payment fee
| <=₹100 | Nil |
| ₹101 to ₹500 | ₹100 |
| ₹501 to ₹1,000 | ₹500 |
| ₹1,001 to ₹5,000 | ₹600 |
| ₹5,001 to ₹10,000 | ₹750 |
| ₹10,001 to ₹25,000 | ₹900 |
| ₹25,001 to ₹50,000 | ₹1100 |
| More than ₹50,000 | ₹1300 (excl. GST, w.e.f 1st Oct 2025) |
Rewards & Lounge access
Rewards2% NeuCoins on non-EMI spends on Tata Neu and partner Tata brands; 1% NeuCoins on non-Tata brand spends and merchant EMI; additional 5% NeuCoins on selected categories on Tata Neu after NeuPass registration
Lounge accessMilestone-based: 1 complimentary domestic lounge voucher per quarter (up to 4 per year) on spends of Rs.50,000 or more in a calendar quarter
NetworkRuPay/Visa
CategoryMid-tier
Card typeRetail
Key features
- 2% NeuCoins on non-EMI spends on Tata Neu and partner Tata brands; 1% NeuCoins on non-Tata brand spends and merchant EMI; additional 5% NeuCoins on selected categories on Tata Neu after NeuPass registration
- Milestone-based: 1 complimentary domestic lounge voucher per quarter (up to 4 per year) on spends of Rs.50,000 or more in a calendar quarter
- 499 NeuCoins on Tata Neu App as reversal of 1st year membership fee, on 1st transaction within 30 days