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Side-by-Side Comparison|Updated March 2026

HDFC Bank Equitas Excite Credit Card vs ICICI Bank Manchester United Platinum Credit Card

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

HDFC Bank

HDFC Bank Equitas Excite Credit Card

6.2/10
Annual Fee₹500
Base Rewards0.2666666666666667%
NetworkVisa
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ICICI Bank

ICICI Bank Manchester United Platinum Credit Card

6.5/10
Annual Fee₹499
Base Rewards0.25%
NetworkVisa
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Feature-by-Feature Comparison

FeatureHDFC Bank Equitas Excite Credit CardICICI Bank Manchester United Platinum Credit Card
Annual Fee₹500₹499
Joining Fee₹500₹499
Fee Waiver Spend₹1,00,000₹1,25,000
Base Reward Rate0.2666666666666667%0.25%
Reward CurrencyReward PointsICICI Bank Reward Points
NetworkVisaVisa
Editor Rating6.2/106.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

HDFC Bank Equitas Excite Credit Card

  • 0% on Grocery — 500 pts/month
  • 0% on Utility Bills — 500 pts/month
  • 0% on Fuel — 500 pts/month

ICICI Bank Manchester United Platinum Credit Card

  • 0% on Manchester United Match Days

Pros & Cons

HDFC Bank Equitas Excite Credit Card

Pros

  • 3X Reward Points on grocery, supermarkets, and utility bills.
  • Monthly milestone bonus of 500 points on spending ₹20,000.
  • Annual fee waiver on a relatively low spend of ₹1 Lakh.
  • 1% fuel surcharge waiver at all fuel stations in India.

Cons

  • Low reward point value of ₹0.20 per point.
  • Accelerated rewards are capped at 500 points per month.
  • No complimentary airport lounge access.

ICICI Bank Manchester United Platinum Credit Card

Pros

  • Exclusive Manchester United branded football as a welcome gift upon spending ₹1,000.
  • Accelerated 3 reward points per ₹100 spent on Manchester United match days.
  • Top spenders get a chance to win signed jerseys and a fully-paid 'Manchester United Experience' at Old Trafford.
  • 25% discount up to ₹100 on movie tickets twice a month via BookMyShow and INOX.

Cons

  • Lounge access requires a high quarterly spend of ₹75,000.
  • Low base reward rate of 0.5% (2 points per ₹100) for non-match day spends.
  • Reward points are excluded on rent, government, and education payments.

Our Verdict

Both HDFC Bank Equitas Excite Credit Card and ICICI Bank Manchester United Platinum Credit Card are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.

Choose HDFC Bank Equitas Excite Credit Card if

Specifically designed for Equitas customers looking for an entry-level rewards card.

Choose ICICI Bank Manchester United Platinum Credit Card if

Offers unique access to club merchandise, match tickets, and stadium tours for top spenders.

Frequently Asked Questions

Which is better: HDFC Bank Equitas Excite Credit Card or ICICI Bank Manchester United Platinum Credit Card?
Both HDFC Bank Equitas Excite Credit Card and ICICI Bank Manchester United Platinum Credit Card are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.
What is the annual fee difference between HDFC Bank Equitas Excite Credit Card and ICICI Bank Manchester United Platinum Credit Card?
HDFC Bank Equitas Excite Credit Card has an annual fee of ₹500, while ICICI Bank Manchester United Platinum Credit Card has an annual fee of ₹499. HDFC Bank Equitas Excite Credit Card offers a fee waiver on ₹1,00,000 annual spend. ICICI Bank Manchester United Platinum Credit Card offers a fee waiver on ₹1,25,000 annual spend.
Which card has better rewards: HDFC Bank Equitas Excite Credit Card or ICICI Bank Manchester United Platinum Credit Card?
HDFC Bank Equitas Excite Credit Card offers a base reward rate of 0.2666666666666667% with accelerated rewards on Grocery and Utility Bills. ICICI Bank Manchester United Platinum Credit Card offers 0.25% base rewards with bonuses on Manchester United Match Days. The better choice depends on your primary spending categories.
Can I have both HDFC Bank Equitas Excite Credit Card and ICICI Bank Manchester United Platinum Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. HDFC Bank Equitas Excite Credit Card and ICICI Bank Manchester United Platinum Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: HDFC Bank Equitas Excite Credit Card or ICICI Bank Manchester United Platinum Credit Card?
For beginners, ICICI Bank Manchester United Platinum Credit Card may be more approachable with a lower annual fee of ₹499. However, evaluate based on your expected spending pattern rather than fee alone.

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