Tata Neu Infinity HDFC Bank Credit Card vs Amazon Pay ICICI Bank Credit Card
Compare Tata Neu Infinity HDFC Bank Credit Card, Amazon Pay ICICI Bank Credit Card side by side: annual fees, interest rates, rewards and eligibility to find the right card for you.
HDFC Bank •••• •••• •••• •••• Credit Card CompareVisa Tata Neu Infinity HDFC Bank Credit Card | ICICI Bank •••• •••• •••• •••• Credit Card Compare Amazon Pay ICICI Bank Credit Card |
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Card details
CardIQ
How we calculate scores| Overall | 59Good | 60Good Highest |
|---|---|---|
| Airport lounge | 58/100 | – |
| Lifetime free | – | 68/100 |
| Rewards | 53/100Highest | 52/100 |
| Travel | 68/100 | – |
The basics
| Card tier | Not published | Not published |
|---|---|---|
| Card type | Visa | Not published |
| Credit rating | Not published | Not published |
| Rewards program | NeuCoins (Tata Neu) | Amazon Pay ICICI Bank rewards (credited as Amazon Pay balance) |
| Credit limit | Not published | Not published |
Eligibility
| Minimum age | 21 years old | 21 years old |
|---|---|---|
| Minimum income | ₹12,00,000 p.a. | ₹3,60,000 p.a.Lowest |
| Residency | Indian nationality; salaried aged 21 to 60 (monthly income ₹1,00,000); self-employed aged 21 to 65 (annual ITR above ₹12,00,000) | Indian citizen aged 21 or over; salaried or self-employed with a monthly income of at least ₹30,000; invite-only programme |
| Joint application | Not published | Not published |
| Temporary residents | Not published | Not published |
| Instant approval | Not published | Not published |
Repayments
| Interest-free period | Up to 50 daysHighest | Up to 48 days |
|---|---|---|
| Minimum repayment | 5% of (retail spends + cash advance + finance charge) plus GST, EMI amounts, 100% of fees and charges and any over-limit amount; where 5% is less than the finance charge, 100% of the finance charge plus 5% of retail spends and cash advance (HDFC Bank MITC, from June 2025) | 5% of (retail spends + cash advance + finance charge) plus GST, EMI principal and interest, fees and charges, any over-limit amount and any unpaid minimum due from the previous statement; where 5% of those amounts is less than the finance charge, 100% of the finance charge plus 5% of retail spends and cash advance (ICICI Bank MITC, from 1 March 2026) |
Rates & fees
Ongoing interest rates
| Purchases | 45.00% p.a. | 45.00% p.a. |
|---|---|---|
| Cash advances | 45.00% p.a. | 45.00% p.a. |
Fees
| Annual fee | ₹1,499 p.a. | No annual feeLowest |
|---|---|---|
| Monthly fee | — | — |
| Additional cardholder fee | ₹0 | ₹0 |
| Cash advance fee | 2.5% of the amount | 2.5% of the amount |
| Foreign transaction fee | 2% | 1.99%Lowest |
| Late payment fee | ₹1,300 | ₹1,300 |
Rewards
How many points could you earn?
Enter your monthly spend to see estimated annual points for each card below.
Earn rate
| Everyday spend | 1.5 NeuCoins per ₹100 | 1 reward point per ₹100 |
|---|---|---|
| Bonus categories | 5 NeuCoins per ₹100 in bonus categories | 5 reward points per ₹100 in bonus categories |
| Other purchases | None | None |
| Overseas spend | None | None |
| Reduced rate above monthly cap | None | None |
| Points cap | Uncapped | Uncapped |
| Points expiry | 12 months from the end of the month in which they are credited to the Tata Neu account (from 1 August 2025) | Do not expire (page: 'unlimited, never-expiring rewards') |
| Estimated annual points | 14,999 ptsWorth ₹14,999Highest | 9,000 ptsWorth ₹9,000 |
Sign-up bonus
| Sign-up bonus | 1,499 points | — |
|---|---|---|
| Bonus spend required | 1 transaction within 30 days of card issuance (1,499 NeuCoins as reversal of the first-year fee; not for Lifetime Free and First Year Free cards) | — |
Related comparisons
Sources
- Credit Card Compare
- How CardIQ scores cards
- Issuers
- HDFC BankICICI Bank