The Manchester United striker was absent from his side's 1-1 draw against Shakhtar Donetsk on Wednesday with an injured shin but returns to the national team after missing the last round of qualifiers due to a head injury.
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The Manchester City goalkeeper was twice beaten at his near post during the 3-1 home defeat to the European champions, while Fraser Foster, a rival for the No.1 jersey, impressed in Celtic's 1-0 loss to Barcelona.
While commentating for Sky Sports, Neville reacted to Bayern’s first goal via Franck Ribery’s long range effort by suggesting: "It's the power of the shot. He's got to do better there, Joe Hart, beaten at his near post. It just goes through his hand. It's not the start Manchester City wanted or the goalkeeper."
The former Manchester United defender was equally critical of Hart's part in Arjen Robben’s goal to make it 3-0, commenting: "You have to say Joe Hart's got to do better again at that near post. That's twice he's been beaten there tonight. He'll be disappointed again."
Elsewhere, Premier League top scorer Daniel Sturridge, who has notched five times this season, is also rewarded with a call-up, as are Everton's Ross Barkley and Southampton striker Rickie Lambert.
There is no place for Manchester United winger Ashley Young, who has been criticised for his recent club performances, particularly during their 4-1 defeat to Manchester City.
England squad to face Montenegro and Poland:
Goalkeepers: Fraser Forster, Joe Hart, John Ruddy
Defenders: Leighton Baines, Gary Cahill, Ashley Cole, Phil Jagielka, Phil Jones, Chris Smalling, Kyle Walker
Midfielders: Ross Barkley, Michael Carrick, Tom Cleverley, Steven Gerrard, Frank Lampard, James Milner, Andros Townsend, Jack Wilshere
Strikers: Jermain Defoe, Rickie Lambert, Wayne Rooney, Daniel Sturridge, Danny Welbeck.