Amazon Pay ICICI Bank Credit Card VS Flipkart Axis Bank Credit Card VS Tata Neu Infinity HDFC Bank Credit Card
Comparing 3 cards side by side: Amazon Pay ICICI Bank Credit Card, Flipkart Axis Bank 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. Flipkart Axis Bank Credit Card costs ₹500 + GST and earns 7.5% cashback on Myntra, 5% on Flipkart & Cleartrip, 4% on Swiggy/Uber/PVR/cult.fit, and 1% on others. 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
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.
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.
Very good reward rate of 5% on all eligible spends on Flipkart and Cleartrip.
High reward rate of 7.5% on Myntra, making it ideal for fashion shopping.
Good reward rate of 4% on partner merchants like Swiggy, Uber, PVR, FitPass.
Cashback is directly adjusted against the card’s statement balance every month, simplifying redemption.
No upper limit on cashback for most categories, providing significant savings potential.
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.
Not the best choice for offline shopping, offering only 1% cashback on such spends.
Does not offer any insurance benefits, such as air accident cover or luggage cover.
No complimentary airport lounge access, limiting travel perks for cardholders.
New fees on rent, education, utilities, and wallet loads from late 2024.
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.