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Side-by-Side Comparison|Updated March 2026

HDFC Bank - Tata Neu Infinity HDFC Bank 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 - Tata Neu Infinity HDFC Bank

8.8/10
Annual Fee₹1,499
Base Rewards1.5%
NetworkVisa
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ICICI Bank

ICICI Bank Manchester United Platinum Credit Card

6.5/10
Annual Fee₹499
Base Rewards0.25%
NetworkVisa
View Full Details

Feature-by-Feature Comparison

FeatureHDFC Bank - Tata Neu Infinity HDFC BankICICI Bank Manchester United Platinum Credit Card
Annual Fee₹1,499₹499
Joining Fee₹1,499₹499
Fee Waiver Spend₹3,00,000₹1,25,000
Base Reward Rate1.5%0.25%
Reward CurrencyNeuCoinsICICI Bank Reward Points
NetworkVisaVisa
Editor Rating8.8/106.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

HDFC Bank - Tata Neu Infinity HDFC Bank

  • 0% on Tata Neu App/Website
  • 0% on Partner Tata Brands
  • 0% on UPI Spends

ICICI Bank Manchester United Platinum Credit Card

  • 0% on Manchester United Match Days

Pros & Cons

HDFC Bank - Tata Neu Infinity HDFC Bank

Pros

  • Up to 10% value back on Tata Neu app spends (5% base + 5% NeuPass bonus).
  • 1.5% reward rate on UPI transactions (RuPay variant), among the highest in India.
  • Complimentary domestic and international lounge access (milestone-based for domestic).
  • Low foreign currency markup of 2% for international spends.

Cons

  • Domestic lounge access is now milestone-based (₹50,000 spend per quarter).
  • Rewards are restricted to the Tata Neu ecosystem for redemption.
  • No rewards on fuel, wallet loads, rent, and government transactions.

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

HDFC Bank - Tata Neu Infinity HDFC Bank edges ahead overall with a stronger combination of rewards and value. However, ICICI Bank Manchester United Platinum Credit Card could be the better pick if its specific category strengths match your spending habits.

Choose HDFC Bank - Tata Neu Infinity HDFC Bank if

Maximum value back across BigBasket, Croma, Air India, Westside, and IHCL hotels.

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 - Tata Neu Infinity HDFC Bank or ICICI Bank Manchester United Platinum Credit Card?
HDFC Bank - Tata Neu Infinity HDFC Bank edges ahead overall with a stronger combination of rewards and value. However, ICICI Bank Manchester United Platinum Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between HDFC Bank - Tata Neu Infinity HDFC Bank and ICICI Bank Manchester United Platinum Credit Card?
HDFC Bank - Tata Neu Infinity HDFC Bank has an annual fee of ₹1,499, while ICICI Bank Manchester United Platinum Credit Card has an annual fee of ₹499. HDFC Bank - Tata Neu Infinity HDFC Bank offers a fee waiver on ₹3,00,000 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 - Tata Neu Infinity HDFC Bank or ICICI Bank Manchester United Platinum Credit Card?
HDFC Bank - Tata Neu Infinity HDFC Bank offers a base reward rate of 1.5% with accelerated rewards on Tata Neu App/Website and Partner Tata Brands. 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 - Tata Neu Infinity HDFC Bank and ICICI Bank Manchester United Platinum Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. HDFC Bank - Tata Neu Infinity HDFC Bank 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 - Tata Neu Infinity HDFC Bank 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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