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
₹999 + GST
₹1,499 + GST
Renewal Fee
Nil
₹999 + GST
₹1,499 + GST
Spend Based Waiver
Not Applicable
Renewal Fee reversed on annual spends of Rs. 2,00,000 or more in the previous year.
Renewal fee waived if you spend ₹3,00,000 or more in a year before renewal date.
Foreign Transaction Fees
1.99% markup on international transactions.
3.5% of the international transaction value.
2% on all foreign currency spends.
Interest Rate (APR)
3.75% per month (45% per annum) on ATM withdrawals and if min. due paid.
3.75% per month (45% per annum) on outstanding balance.
3.75% per month (45.0% per annum) for revolving credit.
Rewards & Benefits
Welcome Bonus
Up to ₹2,500 in cashback and discounts for Prime/Non-Prime, plus 1-month EazyDiner membership.
Not Applicable
1,499 NeuCoins on Tata Neu App, reversing first year fee with first transaction within 30 days.
Rewards Rate
Up to 5% cashback on Amazon, 2% on partners, 1% on others. Unlimited & non-expiring.
5% cashback on online spends & 1% on offline spends, max Rs. 5,000 per cycle.
Up to 10% back as NeuCoins on Tata Neu/partner brands; 1.5% on others; up to 1.5% on UPI.
Reward Type
Cashback
Cashback
Reward Points
Reward Redemption Fee
Nil charges for redeeming reward points.
₹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 Domestic Lounge Access per calendar year (2 in a quarter), milestone-based from 10-Jun-2025.
International Lounge Access
Not Applicable
Complimentary lounge access has been discontinued on this card.
4 Complimentary Lounge Access per calendar year (1 per Quarter) outside India for Visa/Rupay cardholders.
Travel Benefits
Up to 5% cashback on flights & hotels booked on Amazon (Prime members), 3% for others.
Not Applicable
Complimentary domestic & international airport lounge access with low foreign currency markup.
Movie Benefits
Not Applicable
Not Applicable
Not Applicable
Dining Benefits
Minimum 15% discount on dining bills at restaurants in the 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 cycle.
Security & Other
Insurance Benefits
Not Applicable
Not Applicable
Accidental air death cover (₹1 Cr), emergency overseas hospitalization (₹15L), Lost Card Liability (₹9L).
Cash Advance Charges
2.5% of withdrawn amount, min. ₹500 charge.
2.5% of amount withdrawn or min Rs. 500, whichever is higher.
2.5% of amount withdrawn or ₹500, whichever is higher.