What's good
- Up to 1.5% UPI cashback via RuPay (0.5% base + 1% bonus via Tata Neu UPI ID)
- 10% NeuCoins back on Tata brands (BigBasket, 1mg, Croma)
- 5% NeuCoins on other Tata app purchases
- 2 complimentary domestic lounge visits per quarter on ₹50,000 quarterly spend (up to 8/year)
Watch out for
- UPI rewards are strictly capped at 500 NeuCoins per calendar month
- NeuCoins redeemable only within Tata app ecosystem
- High ₹3L spend required for annual fee waiver
- NeuCoins now expire after 12 months from end of credit month (since August 2025)
Who should pick this card?
Best suited for someone focused on upi power users.
This sits in the RuPay & UPI category — Link to UPI apps for rewards on every payment. Works seamlessly with BHIM, PhonePe, and Google Pay.
Fees, reward rates, and caps last verified in May 2026. Issuers update terms without notice — always confirm on the bank's official page before applying.
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