○ Data not yet verified
💰
Annual Fee
₹499
🎁
Reward Type
Points
🌍
Forex
3.5%
✈️
Lounge
0 dom · 0 intl
Full Spec Sheet
Multi-source VerifiedFees
Joining Fee₹499
Annual Fee₹499(waived ≥ ₹50,000)
Min Monthly Income₹15,000
Rewards
Reward TypePoints
Base Rate0.5%
Point Value₹1/point
Category Multipliers
tata neu5%tata brands2%
Redemption Values
tata brands cashback₹1/pt
Travel & Global
Forex Markup3.5%
Domestic LoungeNone
Intl. LoungeNone
India-Specific
RuPay UPI✓ UPI cashback
Similar Cards
💡 Fee Waiver Strategy
Spend ₹50K annually to waive ₹499 fee.
⚖️ Breakeven Analysis
To recover the ₹499 annual fee at the base reward rate of 0.5%, you need to spend ₹99,800 annually.
🎯 Pro Tips
- ▸5% NeuCoins on Tata Neu app/website spends
- ▸2% NeuCoins on Tata partner brands (BigBasket, Croma, Westside, Tanishq)
- ▸UPI benefits with RuPay variant
📊 Spend Profile Simulator
Spend Profile Simulator
Net Annual Value
+₹5,501
Effective Rate
0.5%
Ranked #104 of 173 cards#104
₹499 annual fee deducted from gross rewards value.
🔄 Redemption Pathways - Value per Point
| Method | Value | Example | Best For |
|---|---|---|---|
| Tata Neu EcosystemBEST | 1 NeuCoin = ₹1 | 500 NeuCoins = ₹500 off | Tata brand shoppers |
🏷️ Best For
shoppingco-brandedfirst-card