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Entry Level Paid

Everyday rewards card with airport & railway lounge access plus milestone bonuses.

Rating 4.3 Reward Points

Railway Lounge Access Mid-Tier Lifestyle Users Reward Points Earners

Joining Fee

₹500

Annual Fee

₹500

Base Rewards

2 Reward Points per ₹100 on retail spends; 1 Reward Point per ₹100 on utilities & insurance.

Accelerated

5% on groceries & utilities; 4% on dining & entertainment; 2% on travel & online purchases (caps apply).

Premium

Earn up to 10% value back on Tata Neu with premium lounge and low forex benefits.

Rating 4.6 Reward Points

Heavy Tata ecosystem users BigBasket, Croma, Tata 1mg, Air India buyers RuPay UPI users International travelers

Joining Fee

₹1,499

Annual Fee

₹1,499

Base Rewards

1.5% back as NeuCoins on other spends including UPI (RuPay variant).

Accelerated

5% back on Tata Neu app/partner brands + extra 5% on select categories (up to 10% total value back).