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Side-by-Side Comparison|Updated March 2026

HDFC Bank - Tata Neu Infinity HDFC Bank vs ICICI Bank Platinum Chip 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 Platinum Chip Credit Card

6.5/10
Annual FeeFree
Base Rewards0.125%
NetworkVisa
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Feature-by-Feature Comparison

FeatureHDFC Bank - Tata Neu Infinity HDFC BankICICI Bank Platinum Chip Credit Card
Annual Fee₹1,499Free
Joining Fee₹1,499Free
Fee Waiver Spend₹3,00,000N/A
Base Reward Rate1.5%0.125%
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 Platinum Chip Credit Card

No accelerated rewards listed

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 Platinum Chip Credit Card

Pros

  • Lifetime free card with no joining or annual fees ever
  • Earn 2 reward points for every ₹100 spent on retail purchases
  • 1% fuel surcharge waiver at HPCL pumps for transactions up to ₹4,000
  • Minimum 15% savings on dining bills at 2,500+ partner restaurants via Culinary Treats

Cons

  • No complimentary airport lounge access
  • Low reward rate of 0.5% on general retail spends
  • Reward points on utilities and insurance are capped at 1 point per ₹100

Our Verdict

HDFC Bank - Tata Neu Infinity HDFC Bank edges ahead overall with a stronger combination of rewards and value. However, ICICI Bank Platinum Chip 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 Platinum Chip Credit Card if

Ideal for beginners looking to build a credit history without the burden of annual fees.

Frequently Asked Questions

Which is better: HDFC Bank - Tata Neu Infinity HDFC Bank or ICICI Bank Platinum Chip Credit Card?
HDFC Bank - Tata Neu Infinity HDFC Bank edges ahead overall with a stronger combination of rewards and value. However, ICICI Bank Platinum Chip 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 Platinum Chip Credit Card?
HDFC Bank - Tata Neu Infinity HDFC Bank has an annual fee of ₹1,499, while ICICI Bank Platinum Chip Credit Card has no annual fee. HDFC Bank - Tata Neu Infinity HDFC Bank offers a fee waiver on ₹3,00,000 annual spend.
Which card has better rewards: HDFC Bank - Tata Neu Infinity HDFC Bank or ICICI Bank Platinum Chip 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 Platinum Chip Credit Card offers 0.125% base rewards. The better choice depends on your primary spending categories.
Can I have both HDFC Bank - Tata Neu Infinity HDFC Bank and ICICI Bank Platinum Chip 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 Platinum Chip 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 Platinum Chip Credit Card?
For beginners, ICICI Bank Platinum Chip Credit Card may be more approachable with no annual fee. However, evaluate based on your expected spending pattern rather than fee alone.

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