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Side-by-Side Comparison|Updated March 2026

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

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

ICICI Bank

ICICI Bank HPCL Platinum Credit Card

6.2/10
Annual Fee₹199
Base Rewards0.5%
NetworkVisa
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HDFC Bank

HDFC Bank - Tata Neu Infinity HDFC Bank

8.8/10
Annual Fee₹1,499
Base Rewards1.5%
NetworkVisa
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Feature-by-Feature Comparison

FeatureICICI Bank HPCL Platinum Credit CardHDFC Bank - Tata Neu Infinity HDFC Bank
Annual Fee₹199₹1,499
Joining Fee₹199₹1,499
Fee Waiver Spend₹50,000₹3,00,000
Base Reward Rate0.5%1.5%
Reward CurrencyICICI Bank RewardsNeuCoins
NetworkVisaVisa
Editor Rating6.2/108.8/10
Forex Markup3.5%3.5%

Accelerated Rewards

ICICI Bank HPCL Platinum Credit Card

  • 0% on Fuel at HPCL

HDFC Bank - Tata Neu Infinity HDFC Bank

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

Pros & Cons

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).

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.

Our Verdict

HDFC Bank - Tata Neu Infinity 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 ICICI Bank HPCL Platinum Credit Card if

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

Choose HDFC Bank - Tata Neu Infinity HDFC Bank if

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

Frequently Asked Questions

Which is better: ICICI Bank HPCL Platinum Credit Card or HDFC Bank - Tata Neu Infinity HDFC Bank?
HDFC Bank - Tata Neu Infinity 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 ICICI Bank HPCL Platinum Credit Card and HDFC Bank - Tata Neu Infinity HDFC Bank?
ICICI Bank HPCL Platinum Credit Card has an annual fee of ₹199, while HDFC Bank - Tata Neu Infinity HDFC Bank has an annual fee of ₹1,499. ICICI Bank HPCL Platinum Credit Card offers a fee waiver on ₹50,000 annual spend. HDFC Bank - Tata Neu Infinity HDFC Bank offers a fee waiver on ₹3,00,000 annual spend.
Which card has better rewards: ICICI Bank HPCL Platinum Credit Card or HDFC Bank - Tata Neu Infinity HDFC Bank?
ICICI Bank HPCL Platinum Credit Card offers a base reward rate of 0.5% with accelerated rewards on Fuel at HPCL. HDFC Bank - Tata Neu Infinity HDFC Bank offers 1.5% base rewards with bonuses on Tata Neu App/Website and Partner Tata Brands. The better choice depends on your primary spending categories.
Can I have both ICICI Bank HPCL Platinum Credit Card and HDFC Bank - Tata Neu Infinity HDFC Bank?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. ICICI Bank HPCL Platinum Credit Card and HDFC Bank - Tata Neu Infinity HDFC Bank can complement each other if they cover different reward categories.
Which card is better for beginners: ICICI Bank HPCL Platinum Credit Card or HDFC Bank - Tata Neu Infinity HDFC Bank?
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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