Amazon Pay ICICI Bank Credit Card vs Tata Neu Infinity HDFC Bank Credit Card
A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
Fees & Charges
Joining Fee
NIL / Lifetime Free
₹1,499 + Applicable Taxes.
Renewal Fee
NIL / Lifetime Free
₹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.
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.
2% on all foreign currency spends.
Interest Rate (APR)
3.75% per month (45% p.a.) on ATM withdrawals & outstanding balances.
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.
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 up to 10% NeuCoins on Tata Neu/partner brands; 1.5% on other spends & UPI (capped).
Reward Type
Cashback
Reward Points
Reward Redemption Fee
Nil
Cashback Redemption Charges: ₹50.
Travel & Lifestyle
Domestic Lounge Access
Not Applicable
8 complimentary visits/year (2/quarter); from June 2025, it becomes milestone-based (₹50K spend/quarter).
International Lounge Access
Not Applicable
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.
Provides complimentary domestic and international lounge access and a low 2% foreign currency markup.
Movie Benefits
Not Applicable
Not Applicable
Dining Benefits
Minimum 15% discount on dining bills at restaurants participating in Culinary Treats Programme.
Not Applicable
Golf Benefits
Not Applicable
Not Applicable
Fuel Surcharge Waiver
1% waiver on fuel purchases up to ₹4,000 across India.
1% waiver on fuel transactions (₹400-₹5,000), max waiver ₹500 per statement cycle.
Security & Other
Insurance Benefits
Not Applicable
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2.5% of withdrawn amount, minimum of ₹500.
2.5% of amount withdrawn or ₹500, whichever is higher.