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Amazon Pay ICICI Bank Credit Card vs Flipkart Axis Bank 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.

Features

Amazon Pay ICICI Bank Credit Card
Amazon Pay ICICI Bank Credit Card
Flipkart Axis Bank Credit Card
Flipkart Axis Bank Credit Card
Tata Neu Infinity HDFC Bank Credit Card
Tata Neu Infinity HDFC Bank Credit Card

Fees & Charges

Joining Fee
Nil
₹500 + GST
₹1,499 + GST
Renewal Fee
Nil
₹500 + GST
₹1,499 + GST
Spend Based Waiver
Not Applicable
Annual fee waived on annual spends exceeding Rs. 3,50,000.
Renewal fee waived if you spend ₹3,00,000 or more in a year before renewal date.
Foreign Transaction Fees
1.99%
3.5% of transaction value; 1.5% for DCC.
2% on all foreign currency spends.
Interest Rate (APR)
3.75% per month (45% per annum)
3.75% per month (55.55% per annum).
3.75% per month (45.0% per annum) for revolving credit.

Rewards & Benefits

Welcome Bonus
Perks and discounts worth up to ₹2,500 including EazyDiner and Amazon Prime membership offers.
Rs. 350 worth of activation benefits including a Rs. 250 Flipkart voucher & Rs. 100 Swiggy discount.
1,499 NeuCoins on Tata Neu App, reversing first year fee with first transaction within 30 days.
Rewards Rate
5% for Prime / 3% for Non-Prime on Amazon; 2% on bills and 1% on other spends.
Earn 7.5% cashback on Myntra, 5% on Flipkart & Cleartrip, 4% on Swiggy/Uber/PVR/cult.fit, and 1% on others.
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
No charges for cashback redemption.
Cashback Redemption Charges - ₹50.

Travel & Lifestyle

Domestic Lounge Access
Not Applicable
Not offered as of 20th June 2025.
8 Complimentary Domestic Lounge Access per calendar year (2 in a quarter), milestone-based from 10-Jun-2025.
International Lounge Access
Not Applicable
Not offered as of 20th June 2025.
4 Complimentary Lounge Access per calendar year (1 per Quarter) outside India for Visa/Rupay cardholders.
Travel Benefits
5% unlimited cashback for Prime members on flight and hotel bookings made via Amazon.
4% cashback on Uber, up to 15% off on MakeMyTrip flights/hotels & 5% cashback on Cleartrip.
Complimentary domestic & international airport lounge access with low foreign currency markup.
Movie Benefits
Not Applicable
Unlimited 4% cashback on PVR movie ticket bookings.
Not Applicable
Dining Benefits
Minimum 15% discount at participating restaurants through the ICICI Culinary Treats program.
15% off up to Rs. 500 at 10,000+ partner restaurants & 4% cashback on Swiggy food orders.
Not Applicable
Golf Benefits
Not Applicable
Not Applicable
Not Applicable
Fuel Surcharge Waiver
1% waiver for all fuel purchases across India for transactions up to ₹4,000.
1% waiver on fuel spends (Rs. 400-Rs. 4000), max Rs. 400/month.
1% waiver on fuel transactions (₹400-₹5,000), max waiver ₹500 per cycle.

Security & Other

Insurance Benefits
Not Applicable
None explicitly offered.
Accidental air death cover (₹1 Cr), emergency overseas hospitalization (₹15L), Lost Card Liability (₹9L).
Cash Advance Charges
2.5% of the withdrawn amount (minimum ₹500) plus 3.75% monthly interest.
2.5% of amount (minimum Rs. 500).
2.5% of amount withdrawn or ₹500, whichever is higher.

Amazon Pay ICICI Bank Credit Card

Flipkart Axis Bank 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.

A lifetime-free credit card with no joining or annual maintenance fees for cardholders.

Offers a high reward rate of 5% for Prime members on all eligible Amazon.in purchases.

Cashback is automatically credited as Amazon Pay balance with no manual redemption required.

Rewards never expire and there is no maximum capping on the total cashback you can earn.

Competitive foreign currency markup of only 1.99% compared to the standard market rates.

Pros

Key benefits and features.

Offers high cashback rates on major e-commerce platforms like Flipkart and Myntra.

Cashback is directly credited to your statement, simplifying the redemption process.

Enjoy unlimited cashback on preferred partners and most other eligible card spends.

Access exclusive dining benefits and discounts with the Axis Bank Dining Delights program.

Provides a beneficial 1% fuel surcharge waiver at all stations across India.

Pros

Key benefits and features.

Outstanding reward rate, especially for Tata Neu and partner brand spends.

NeuCoins are easily redeemable across a wide range of Tata brands and services.

Complimentary domestic and international airport lounge access adds significant travel value.

Comprehensive insurance coverage and low foreign currency markup enhance card benefits.

Cons

Key drawbacks and limitations.

Benefits on other platforms or offline transactions are limited to a basic 1% reward rate.

Lacks premium lifestyle features like airport lounge access, golf perks, or movie deals.

The reward rate for Non-Prime members is significantly lower at 3% compared to Prime users.

No cashback is earned on fuel, rent, gold, EMI transactions, or international payments.

Cons

Key drawbacks and limitations.

Offers relatively low 1% cashback on most offline shopping and general spends.

The card currently does not provide any complimentary insurance benefits to cardholders.

High annual spend of Rs. 3,50,000 required to waive off the annual renewal fee.

Welcome benefits for new cardholders have seen a reduction from previous offers.

Reports suggest some users face challenges with voucher redemption and card cancellations.

Cons

Key drawbacks and limitations.

NeuCoins earned on the card will have a validity period of 12 months from August 2025.

Annual fee waiver requires a substantial spend of ₹3,00,000, which can be high.

Various transaction categories like rent and utility have caps on NeuCoin earnings.

Domestic lounge access becomes milestone-based from June 2025, requiring ₹50k spend.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.