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Side-by-Side Comparison|Updated March 2026

Pharmeasy HDFC Bank Credit Card 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

Pharmeasy HDFC Bank Credit Card

6.8/10
Annual Fee₹500
Base Rewards0.04%
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

FeaturePharmeasy HDFC Bank Credit CardICICI Bank Manchester United Signature Credit Card
Annual Fee₹500₹2,499
Joining Fee₹500₹2,499
Fee Waiver Spend₹70,000₹2,50,000
Base Reward Rate0.04%0.25%
Reward CurrencyReward PointsICICI Reward Points
NetworkVisaVisa
Editor Rating6.8/106.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

Pharmeasy HDFC Bank Credit Card

  • 0% on Pharmeasy — 3000 pts/month

ICICI Bank Manchester United Signature Credit Card

  • 0% on Manchester United Match Days

Pros & Cons

Pharmeasy HDFC Bank Credit Card

Pros

  • 5% cashback on Pharmeasy spends including medicines and healthcare products
  • Complimentary 6-month Pharmeasy Plus membership worth ₹999
  • Up to 50% discount on diagnostic tests and health check-ups
  • Low annual fee waiver threshold of ₹70,000 per year

Cons

  • No airport lounge access benefits
  • Low base reward rate of 1 point per ₹150 spent
  • Monthly reward point cap of 3,000 points on partner spends

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

Both Pharmeasy HDFC Bank Credit Card and ICICI Bank Manchester United Signature Credit Card are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.

Choose Pharmeasy HDFC Bank Credit Card if

High 5% value back on regular medicine and diagnostic requirements via Pharmeasy.

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: Pharmeasy HDFC Bank Credit Card or ICICI Bank Manchester United Signature Credit Card?
Both Pharmeasy HDFC Bank Credit Card and ICICI Bank Manchester United Signature Credit Card are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.
What is the annual fee difference between Pharmeasy HDFC Bank Credit Card and ICICI Bank Manchester United Signature Credit Card?
Pharmeasy HDFC Bank Credit Card has an annual fee of ₹500, while ICICI Bank Manchester United Signature Credit Card has an annual fee of ₹2,499. Pharmeasy HDFC Bank Credit Card offers a fee waiver on ₹70,000 annual spend. ICICI Bank Manchester United Signature Credit Card offers a fee waiver on ₹2,50,000 annual spend.
Which card has better rewards: Pharmeasy HDFC Bank Credit Card or ICICI Bank Manchester United Signature Credit Card?
Pharmeasy HDFC Bank Credit Card offers a base reward rate of 0.04% with accelerated rewards on Pharmeasy. 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 Pharmeasy HDFC Bank Credit Card and ICICI Bank Manchester United Signature Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Pharmeasy HDFC Bank Credit Card and ICICI Bank Manchester United Signature Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Pharmeasy HDFC Bank Credit Card or ICICI Bank Manchester United Signature Credit Card?
For beginners, Pharmeasy HDFC Bank Credit Card may be more approachable with a lower annual fee of ₹500. However, evaluate based on your expected spending pattern rather than fee alone.

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