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Side-by-Side Comparison|Updated March 2026

HDFC Bank - Tata Neu Plus HDFC Bank vs ICICI Bank HPCL 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 Plus HDFC Bank

8.2/10
Annual Fee₹499
Base Rewards1%
NetworkRuPay
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ICICI Bank

ICICI Bank HPCL Platinum Credit Card

6.2/10
Annual Fee₹199
Base Rewards0.5%
NetworkVisa
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Feature-by-Feature Comparison

FeatureHDFC Bank - Tata Neu Plus HDFC BankICICI Bank HPCL Platinum Credit Card
Annual Fee₹499₹199
Joining Fee₹499₹199
Fee Waiver Spend₹1,00,000₹50,000
Base Reward Rate1%0.5%
Reward CurrencyNeuCoinICICI Bank Rewards
NetworkRuPayVisa
Editor Rating8.2/106.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

HDFC Bank - Tata Neu Plus HDFC Bank

  • 0% on Tata Neu App & Partner Brands
  • 0% on Tata Neu App (with NeuPass)
  • 0% on Tata Neu UPI Spends
  • 0% on Other UPI Spends

ICICI Bank HPCL Platinum Credit Card

  • 0% on Fuel at HPCL

Pros & Cons

HDFC Bank - Tata Neu Plus HDFC Bank

Pros

  • Up to 7% value back on Tata Neu app spends (2% base + 5% NeuPass).
  • 1% back on UPI spends via Tata Neu UPI (RuPay variant).
  • 1 NeuCoin = ₹1, offering simple and transparent redemption.
  • Low annual fee of ₹499 with a reachable waiver at ₹1 Lakh spend.

Cons

  • Domestic lounge access is now milestone-based (₹50,000 spend per quarter).
  • No international lounge access compared to the Infinity variant.
  • Reward capping on grocery spends (1,000 NeuCoins per month).

ICICI Bank HPCL Platinum Credit Card

Pros

  • 2.5% cashback on fuel purchases at HPCL pumps (up to ₹100/month).
  • 1% fuel surcharge waiver on transactions up to ₹4,000 at HPCL.
  • ₹100 off on movie tickets twice a month via BookMyShow.
  • Low annual fee of ₹199, waived on spending ₹50,000 annually.

Cons

  • Cashback and surcharge waiver only applicable on ICICI Merchant Services swipe machines.
  • No airport lounge access benefits.
  • Low reward rate on non-fuel retail spends (0.5% value).

Our Verdict

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

Choose HDFC Bank - Tata Neu Plus HDFC Bank if

High rewards on BigBasket, Croma, Tata 1mg, and Air India.

Choose ICICI Bank HPCL Platinum Credit Card if

Strong fuel savings at HPCL pumps for a very low annual fee.

Frequently Asked Questions

Which is better: HDFC Bank - Tata Neu Plus HDFC Bank or ICICI Bank HPCL Platinum Credit Card?
HDFC Bank - Tata Neu Plus HDFC Bank edges ahead overall with a stronger combination of rewards and value. However, ICICI Bank HPCL 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 Plus HDFC Bank and ICICI Bank HPCL Platinum Credit Card?
HDFC Bank - Tata Neu Plus HDFC Bank has an annual fee of ₹499, while ICICI Bank HPCL Platinum Credit Card has an annual fee of ₹199. HDFC Bank - Tata Neu Plus HDFC Bank offers a fee waiver on ₹1,00,000 annual spend. ICICI Bank HPCL Platinum Credit Card offers a fee waiver on ₹50,000 annual spend.
Which card has better rewards: HDFC Bank - Tata Neu Plus HDFC Bank or ICICI Bank HPCL Platinum Credit Card?
HDFC Bank - Tata Neu Plus HDFC Bank offers a base reward rate of 1% with accelerated rewards on Tata Neu App & Partner Brands and Tata Neu App (with NeuPass). ICICI Bank HPCL Platinum Credit Card offers 0.5% base rewards with bonuses on Fuel at HPCL. The better choice depends on your primary spending categories.
Can I have both HDFC Bank - Tata Neu Plus HDFC Bank and ICICI Bank HPCL Platinum Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. HDFC Bank - Tata Neu Plus HDFC Bank and ICICI Bank HPCL Platinum Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: HDFC Bank - Tata Neu Plus HDFC Bank or ICICI Bank HPCL Platinum Credit Card?
For beginners, ICICI Bank HPCL Platinum Credit Card may be more approachable with a lower annual fee of ₹199. However, evaluate based on your expected spending pattern rather than fee alone.

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