Amazon Pay ICICI Bank Credit Card vs Cashback SBI Credit Card vs Tata Neu Infinity HDFC Bank Credit Card
A detailed, side-by-side look at 3 leading credit cards. Analyze the features that matter most to you and make an informed choice.
Fees & Charges
Joining Fee
NIL / Lifetime Free
Rs. 999 + Taxes/GST
₹1,499 + Applicable Taxes.
Renewal Fee
NIL / Lifetime Free
Rs. 999 + Taxes/GST
₹1,499 + Applicable Taxes, levied annually at the start of each anniversary year.
Spend Based Waiver
Lifetime free, so no annual fee waiver conditions apply.
Renewal Fee reversed on annual spends of Rs. 2,00,000 or more in the previous year.
Renewal fee waived off on spending ₹3,00,000 or more in a year before the credit card renewal date.
Foreign Transaction Fees
3.5% of the total transacted amount.
3.5% of the international transaction value.
2% on all foreign currency spends.
Interest Rate (APR)
3.75% per month (45% p.a.) on ATM withdrawals & outstanding balances.
3.75% per month (45% per annum) on outstanding balance.
Revolving credit at 3.75% per month (45.0% per annum).
Rewards & Benefits
Welcome Bonus
Cashback discounts up to ₹2,500 and one-month EazyDiner membership for Prime/non-Prime.
Not Applicable
Get 1,499 NeuCoins on Tata Neu App, reversing the first-year fee after one transaction within 30 days.
Rewards Rate
Up to 5% on Amazon (Prime), 3% (non-Prime); 2% on partners; 1% on other eligible spends.
5% cashback on online spends & 1% on offline spends, max Rs. 5,000 per cycle.
Earn up to 10% NeuCoins on Tata Neu/partner brands; 1.5% on other spends & UPI (capped).
Reward Type
Cashback
Cashback
Reward Points
Reward Redemption Fee
Nil
₹99 per redemption transaction.
Cashback Redemption Charges: ₹50.
Travel & Lifestyle
Domestic Lounge Access
Not Applicable
Complimentary lounge access has been discontinued on this card.
8 complimentary visits/year (2/quarter); from June 2025, it becomes milestone-based (₹50K spend/quarter).
International Lounge Access
Not Applicable
Complimentary lounge access has been discontinued on this card.
4 complimentary visits/year (1/quarter) via Priority Pass (on request from June 2025) or direct for RuPay.
Travel Benefits
Cashback on flight and hotel bookings via Amazon, up to 5% for Prime members.
Not Applicable
Provides complimentary domestic and international lounge access and a low 2% foreign currency markup.
Movie Benefits
Not Applicable
Not Applicable
Not Applicable
Dining Benefits
Minimum 15% discount on dining bills at restaurants participating in Culinary Treats Programme.
Not Applicable
Not Applicable
Golf Benefits
Not Applicable
Not Applicable
Not Applicable
Fuel Surcharge Waiver
1% waiver on fuel purchases up to ₹4,000 across India.
1% waiver on fuel (Rs. 500-3000), max Rs. 100 per statement cycle.
1% waiver on fuel transactions (₹400-₹5,000), max waiver ₹500 per statement cycle.
Security & Other
Insurance Benefits
Not Applicable
Not Applicable
Includes ₹1 Crore air accident cover, ₹15 Lakhs overseas hospitalization, and ₹9 Lakhs lost card liability.
Cash Advance Charges
2.5% of withdrawn amount, minimum of ₹500.
2.5% of amount withdrawn or min Rs. 500, whichever is higher.
2.5% of amount withdrawn or ₹500, whichever is higher.