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Side-by-Side Comparison|Updated March 2026

HDFC Bank - Tata Neu Infinity HDFC Bank 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 - 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 Signature Credit Card

6.5/10
Annual Fee₹2,499
Base Rewards0.25%
NetworkVisa
View Full Details

Feature-by-Feature Comparison

FeatureHDFC Bank - Tata Neu Infinity HDFC BankICICI Bank Manchester United Signature Credit Card
Annual Fee₹1,499₹2,499
Joining Fee₹1,499₹2,499
Fee Waiver Spend₹3,00,000₹2,50,000
Base Reward Rate1.5%0.25%
Reward CurrencyNeuCoinsICICI 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 Signature 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 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

HDFC Bank - Tata Neu Infinity HDFC Bank edges ahead overall with a stronger combination of rewards and value. However, ICICI Bank Manchester United Signature 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 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 - Tata Neu Infinity HDFC Bank or ICICI Bank Manchester United Signature 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 Signature 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 Signature Credit Card?
HDFC Bank - Tata Neu Infinity HDFC Bank has an annual fee of ₹1,499, while ICICI Bank Manchester United Signature Credit Card has an annual fee of ₹2,499. HDFC Bank - Tata Neu Infinity HDFC Bank offers a fee waiver on ₹3,00,000 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 - Tata Neu Infinity HDFC Bank or ICICI Bank Manchester United Signature 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 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 - Tata Neu Infinity HDFC Bank and ICICI Bank Manchester United Signature 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 Signature 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 Signature Credit Card?
For beginners, HDFC Bank - Tata Neu Infinity HDFC Bank may be more approachable with a lower annual fee of ₹1,499. However, evaluate based on your expected spending pattern rather than fee alone.

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