Amazon Pay ICICI Bank Credit Card VS Cashback SBI Credit Card VS Tata Neu Infinity HDFC Bank Credit Card
Comparing 3 cards side by side: Amazon Pay ICICI Bank Credit Card, Cashback SBI Credit Card, Tata Neu Infinity HDFC Bank Credit Card. Amazon Pay ICICI Bank Credit Card is lifetime-free and earns 5% for Prime / 3% for Non-Prime on Amazon; 2% on bills and 1% on other spends. Cashback SBI Credit Card costs ₹999 + GST and earns 5% cashback on online spends (capped at Rs. 2,000 per statement cycle) and 1% cashback on offline spends (capped at Rs. 2,000 per statement cycle); max combined Rs. 4,000 per statement cycle. Tata Neu Infinity HDFC Bank Credit Card costs ₹1,499 + GST and earns up to 10% back as NeuCoins on Tata Neu/partner brands; 1.5% on others; up to 1.5% on UPI. Compare the fee and reward differences above against your priority spend category — travel, dining, shopping, or fuel — to pick the right fit.
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
Amazon Pay ICICI Bank Credit Card
Cashback SBI Credit Card
Tata Neu Infinity HDFC Bank Credit Card
Who is it for?
Who is it for?
Who is it for?
Pros
Key benefits and features.
Most useful for Amazon loyalists who fulfill their online shopping via Amazon, particularly Prime members.
Lifetime free with no joining or annual fees, offering significant long-term value.
Unlimited cashback with no maximum capping on the Amazon Pay balance earned.
Reward points are automatically credited as Amazon Pay balance and have no expiry date.
Low international forex mark-up at 1.99% makes international spends more economical.
Pros
Key benefits and features.
Decent 5% cashback on online spends and 1% on offline spends for solid everyday savings.
High monthly cashback cap of Rs. 4,000 across categories boosts total earnings potential.
Strong option for online spending compared to other cashback cards with simple auto-credit.
Contactless payment facility available for quick and secure low-value transactions.
Global acceptance in over 24 million outlets ensures usability during travel and shopping.
Pros
Key benefits and features.
Earn an impressive reward rate of up to 10% NeuCoins on all Tata Neu app purchases.
Benefit from a significantly low foreign currency markup of just 2% on international transactions.
Enjoy complimentary domestic and international airport lounge access, enhancing travel experiences.
Provides comprehensive insurance coverage, including accidental air death and emergency hospitalization.
Cons
Key drawbacks and limitations.
Primarily focused on Amazon shopping, limiting benefits for other spending categories.
Does not provide other benefits like lounge access or entertainment, unsuitable for travelers.
Less useful for shopping on platforms other than Amazon, where the base reward rate is only 1%.
The reward rate on Amazon for non-Prime members is lower at 3% compared to 5% for Prime members.
Cons
Key drawbacks and limitations.
Several categories are excluded from cashback eligibility, limiting earnings on key spends.
Annual fee is relatively high compared to the benefits for low spenders who cannot meet the waiver.
Spend-based waiver may be difficult to achieve if major spends fall in excluded categories.
No instant discounts during online sales, reducing appeal during promotional shopping periods.
Cashback exclusions on utilities, insurance, fuel, rent, and other services restrict utility.
Cons
Key drawbacks and limitations.
The NeuCoins earned with the Tata Neu Infinity HDFC Bank Credit Card expire after one year.
A relatively high annual spend of ₹3 lakhs is required to waive the renewal fee.
No NeuCoins are accrued on essential transactions like fuel purchases and wallet reloads.