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Side-by-Side Comparison|Updated March 2026

ICICI Bank Platinum Identity 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 Platinum Identity Credit Card

7/10
Annual Fee₹750
Base Rewards0.25%
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
View Full Details

Feature-by-Feature Comparison

FeatureICICI Bank Platinum Identity Credit CardHDFC Bank - Tata Neu Infinity HDFC Bank
Annual Fee₹750₹1,499
Joining Fee₹2,000₹1,499
Fee Waiver Spend₹2,00,000₹3,00,000
Base Reward Rate0.25%1.5%
Reward CurrencyHand-picked RewardsNeuCoins
NetworkVisaVisa
Editor Rating7/108.8/10
Forex Markup3.5%3.5%

Accelerated Rewards

ICICI Bank Platinum Identity Credit Card

No accelerated rewards listed

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 Platinum Identity Credit Card

Pros

  • Accelerated rewards of 8 points per ₹200 on annual spends exceeding ₹5 Lakhs.
  • Double rewards on international spends (4 points per ₹200) compared to domestic.
  • Complimentary 24/7 i-Assist concierge services for travel and lifestyle assistance.
  • 1% fuel surcharge waiver at all HPCL pumps for transactions up to ₹4,000.

Cons

  • Low base reward rate of 0.25% (2 points per ₹200) for domestic spends.
  • Domestic lounge access is restricted by a high quarterly spend requirement of ₹75,000.
  • Priority Pass membership is complimentary but individual visits are chargeable at $35+.

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 Platinum Identity Credit Card could be the better pick if its specific category strengths match your spending habits.

Choose ICICI Bank Platinum Identity Credit Card if

Best for those who spend over ₹5 Lakhs annually to unlock the 1% reward rate tier.

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 Platinum Identity 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 Platinum Identity 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 Platinum Identity Credit Card and HDFC Bank - Tata Neu Infinity HDFC Bank?
ICICI Bank Platinum Identity Credit Card has an annual fee of ₹750, while HDFC Bank - Tata Neu Infinity HDFC Bank has an annual fee of ₹1,499. ICICI Bank Platinum Identity Credit Card offers a fee waiver on ₹2,00,000 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 Platinum Identity Credit Card or HDFC Bank - Tata Neu Infinity HDFC Bank?
ICICI Bank Platinum Identity Credit Card offers a base reward rate of 0.25%. 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 Platinum Identity 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 Platinum Identity 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 Platinum Identity Credit Card or HDFC Bank - Tata Neu Infinity HDFC Bank?
For beginners, ICICI Bank Platinum Identity Credit Card may be more approachable with a lower annual fee of ₹750. However, evaluate based on your expected spending pattern rather than fee alone.

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