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.
Fees & Charges
Joining Fee
NIL / Lifetime Free
Rs. 500 + GST
₹1,499 + Applicable Taxes.
Renewal Fee
NIL / Lifetime Free
Rs. 500 + GST from the 2nd year onwards
₹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.
Annual fee waived on annual spends greater than Rs. 3,50,000 (excluding rent/wallet loads).
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% on foreign currency transactions; 1.5% for Dynamic Currency Conversion transactions.
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 (55.55% per annum) on retail purchases and cash advances.
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.
Total activation benefits worth Rs. 350, including a Rs. 250 Flipkart voucher and a 50% Swiggy discount.
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.
Earn 7.5% on Myntra, 5% on Flipkart/Cleartrip, 4% on Swiggy/Uber/PVR/cult.fit, 1% elsewhere.
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
Nil.
Cashback Redemption Charges: ₹50.
Travel & Lifestyle
Domestic Lounge Access
Not Applicable
Removed as of June 2025.
8 complimentary visits/year (2/quarter); from June 2025, it becomes milestone-based (₹50K spend/quarter).
International Lounge Access
Not Applicable
Removed as of June 2025.
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.
5% cashback on Cleartrip, 4% cashback on Uber, and discounts on flights/hotels via MakeMyTrip.
Provides complimentary domestic and international lounge access and a low 2% foreign currency markup.
Movie Benefits
Not Applicable
Accelerated 4% cashback on PVR movie tickets, plus 10% off up to Rs. 1000 on Tira.
Not Applicable
Dining Benefits
Minimum 15% discount on dining bills at restaurants participating in Culinary Treats Programme.
Up to 15% off (max Rs. 500) at 10,000+ partner restaurants via Axis Bank Dining Delights.
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 transactions between Rs. 400-4,000, capped at Rs. 400 per month.
1% waiver on fuel transactions (₹400-₹5,000), max waiver ₹500 per statement cycle.
Security & Other
Insurance Benefits
Not Applicable
Does not offer benefits like air accident cover or luggage protection as of June 2025.
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 the cash amount, with a minimum of Rs. 500.
2.5% of amount withdrawn or ₹500, whichever is higher.