# Tata Neu Plus Hdfc Bank Credit Card

**Best for:** Frequent travelers and utility spenders

**Think twice if:** Low spenders or infrequent travelers

**Key strengths:** 2% back on IHCL and Tanishq spends · 1% back on utility transactions · Complimentary airport lounge access quarterly

## Fees

- **Joining Fee:** Joining Fee of Rs.499
- **Annual Fee:** Renewal Fee of Rs.499
- **Fee Waiver:** Spend Rs.100000 For Renewal Fee Waiver
- **Forex Markup:** 3.50% - Foreign Currency Transactions

## Rewards

- **Top Reward Rate:** 1% Back as NeuCoins on Telecom & Cable Transactions
- **Welcome Benefit:** Welcome Benefit of 499 NeuCoins

## Lounge Access

- **Domestic:** 1 Complimentary Airport Lounge Access Per Quarter

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