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Adani One ICICI Bank Platinum Credit Card VS Tata Neu Plus HDFC Bank Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 21 July 2026

Both Tata Neu Plus HDFC Bank Credit Card and Adani One ICICI Bank Platinum Credit Card suit shopping-focused spenders, but they earn and cost differently. Tata Neu Plus HDFC Bank Credit Card costs ₹499 + GST and earns 7% NeuCoins on Tata Neu app/website, 2% on Tata-partnered brands, 1% on Non-Tata brands. Adani One ICICI Bank Platinum Credit Card costs ₹750 + GST and earns 3% on Adani One ecosystem, 1.5% international, 1% domestic, 0.5% utility/insurance spends. Tata Neu Plus HDFC Bank Credit Card also brings 4 complimentary visits per calendar year (1 per quarter), based on ₹50,000 quarterly spend, while Adani One ICICI Bank Platinum Credit Card counters with 2 complimentary domestic airport lounge accesses per quarter on ₹75,000 spend/quarter. Weigh the fee against the reward rate above to see which fits your spending pattern better.

Adani One ICICI Bank Platinum Credit Card
Adani One ICICI Bank Platinum Credit Card
Tata Neu Plus HDFC Bank Credit Card
Tata Neu Plus HDFC Bank Credit Card

Fees & Charges

Joining Fee₹750 + GST
Joining Fee₹499 + GST
Renewal Fee₹750 + GST
Renewal Fee₹499 + GST
Spend Based WaiverAnnual Fee waived on spends of ₹3 Lakh or more in the preceding year.
Spend Based WaiverRenewal fee waived on spending ₹1,00,000 or more in an anniversary year.
Foreign Transaction Fees3.5%
Foreign Transaction Fees3.5%
Interest Rate (APR)3.75% Per Month (45% Per Year) for ATM withdrawals and minimum due payments.
Interest Rate (APR)3.75% per month (45% annually)

Rewards & Benefits

Welcome BonusVouchers worth over ₹5,000 (flight, hotel, holiday) on specific spends within 60 days of activation.
Welcome Bonus499 NeuCoins on making a transaction within 30 days of card issuance.
Rewards Rate3% on Adani One ecosystem, 1.5% international, 1% domestic, 0.5% utility/insurance spends.
Rewards Rate7% NeuCoins on Tata Neu app/website, 2% on Tata-partnered brands, 1% on Non-Tata brands.
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption Fee
Reward Redemption Fee

Travel & Lifestyle

Domestic Lounge Access2 complimentary domestic airport lounge accesses per quarter on ₹75,000 spend/quarter.
Domestic Lounge Access4 complimentary visits per calendar year (1 per quarter), based on ₹50,000 quarterly spend.
International Lounge Access
International Lounge Access
Travel BenefitsComplimentary domestic lounge access, premium lounge upgrades, valet parking, premium parking, porter services.
Travel BenefitsFour complimentary domestic airport lounge visits per year, based on quarterly spend.
Movie Benefits25% off up to ₹100 on movie tickets via BookMyShow, twice monthly, on ₹25,000 spend/quarter.
Movie Benefits
Dining Benefits
Dining Benefits
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% surcharge waiver on fuel transactions between ₹400 and ₹4,000.
Fuel Surcharge Waiver1% waiver on transactions ₹400-₹5,000, capped at ₹250 per statement cycle.

Security & Other

Insurance Benefits
Insurance Benefits
Cash Advance Charges2.5% of amount withdrawn, subject to a minimum of ₹500.
Cash Advance Charges2.5% of amount withdrawn or ₹500, whichever is higher.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

Adani One ICICI Bank Platinum Credit Card

Tata Neu Plus HDFC Bank Credit Card

Who is it for?

The Adani One ICICI Bank Platinum Credit Card is an economical, travel-oriented card from ICICI Bank, ideal for frequent travelers within India who utilize the Adani ecosystem. It offers welcome benefits over ₹5,000 in vouchers and a strong 3% reward rate on Adani One spends. Cardholders enjoy complimentary domestic lounge access, premium airport upgrades, and other exclusive travel perks like valet parking and porter services, all for a reasonable annual fee.

Who is it for?

The Tata Neu Plus HDFC Bank Credit Card is a co-branded offering designed for individuals loyal to both Tata Brands and HDFC Bank. It provides significant NeuCoins on spending with Tata and non-Tata brands, a welcome bonus, and complimentary domestic airport lounge access. Positioned as a mid-range shopping card, it offers exclusive benefits for frequent shoppers within the Tata ecosystem and beyond. This card is highly recommended for HDFC bank account holders who frequently shop on Tata brands and travel domestically.

Pros

Key benefits and features.

Affordable joining and annual fee of ₹750 + GST makes it accessible.

Significant welcome benefits worth over ₹5,000 in vouchers for travel.

Complimentary domestic airport lounge access (2 per quarter) enhances travel.

Exclusive airport privileges like premium lounge upgrades and valet parking.

Strong reward earning rate on Adani One ecosystem spends (3%) is beneficial.

Pros

Key benefits and features.

Enjoy 499 NeuCoins as a welcome benefit upon making a transaction within the first 30 days of card issuance.

Renewal fees can be waived by spending ₹1,00,000 in a calendar year.

Significant savings on purchases from Tata Brands like Tanishq and cult.fit.

Cons

Key drawbacks and limitations.

Domestic airport lounge access is conditional on spending ₹75,000 per quarter.

Movie benefits are conditional on spending ₹25,000 in the preceding quarter.

Lacks dedicated dining benefits, limiting its overall lifestyle appeal.

No international lounge access, making it less ideal for global travelers.

High foreign currency markup fee of 3.5% is costly for international spends.

Cons

Key drawbacks and limitations.

No international lounge access, which is a drawback for international travelers.

The card does not offer any specific movie or dining benefits, limiting entertainment savings.

NeuCoins earned with this card have a limited validity period of 365 days.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
Apply for Adani One ICICI Bank Platinum Credit Card(opens in new tab)Apply for Tata Neu Plus HDFC Bank Credit Card(opens in new tab)