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Side-by-Side Comparison|Updated March 2026

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

6.5/10
Annual Fee₹2,499
Base Rewards0.25%
NetworkVisa
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Feature-by-Feature Comparison

FeatureHDFC Bank Equitas Excite Credit CardICICI Bank Manchester United Signature Credit Card
Annual Fee₹500₹2,499
Joining Fee₹500₹2,499
Fee Waiver Spend₹1,00,000₹2,50,000
Base Reward Rate0.2666666666666667%0.25%
Reward CurrencyReward PointsICICI 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 Signature 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 Signature Credit Card

Pros

  • Exclusive Manchester United branded welcome gift (Holdall and Football).
  • Accelerated 5 reward points per ₹100 spent on Manchester United match days.
  • Opportunity for top spenders to win a fully paid 'Manchester United Experience' at Old Trafford.
  • 25% discount on movie tickets twice a month on BookMyShow and INOX.

Cons

  • Lounge access requires a high spend of ₹75,000 in the previous calendar quarter.
  • High annual fee of ₹2,499 for a co-branded card with limited non-football benefits.
  • Reward points on rent, fuel, and utilities are heavily restricted or excluded.

Our Verdict

Both HDFC Bank Equitas Excite Credit Card and ICICI Bank Manchester United Signature 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 Signature Credit Card if

Exclusive access to club merchandise, discounts at the Red Cafe, and chances to visit Old Trafford.

Frequently Asked Questions

Which is better: HDFC Bank Equitas Excite Credit Card or ICICI Bank Manchester United Signature Credit Card?
Both HDFC Bank Equitas Excite Credit Card and ICICI Bank Manchester United Signature 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 Signature Credit Card?
HDFC Bank Equitas Excite Credit Card has an annual fee of ₹500, while ICICI Bank Manchester United Signature Credit Card has an annual fee of ₹2,499. HDFC Bank Equitas Excite Credit Card offers a fee waiver on ₹1,00,000 annual spend. ICICI Bank Manchester United Signature Credit Card offers a fee waiver on ₹2,50,000 annual spend.
Which card has better rewards: HDFC Bank Equitas Excite Credit Card or ICICI Bank Manchester United Signature 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 Signature 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 Signature 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 Signature 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 Signature Credit Card?
For beginners, HDFC Bank Equitas Excite Credit Card may be more approachable with a lower annual fee of ₹500. However, evaluate based on your expected spending pattern rather than fee alone.

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