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Side-by-Side Comparison|Updated April 2026

Tata Neu Plus SBI Credit Card vs Amazon Pay ICICI Bank Credit Card

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

SBI Card

Tata Neu Plus SBI Credit Card

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

Amazon Pay ICICI Bank Credit Card

9.5/10
Annual FeeFree
Base Rewards1%
NetworkVisa
View Full Details

Feature-by-Feature Comparison

FeatureTata Neu Plus SBI Credit CardAmazon Pay ICICI Bank Credit Card
Annual Fee₹499Free
Joining Fee₹499Free
Fee Waiver Spend₹1,00,000N/A
Base Reward Rate1%1%
Reward CurrencyNeuCoinAmazon Pay Balance
NetworkRuPayVisa
Editor Rating8.2/109.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

Tata Neu Plus SBI Credit Card

  • 0% on Tata Neu App/Website
  • 0% on NeuPass Membership

Amazon Pay ICICI Bank Credit Card

No accelerated rewards listed

Pros & Cons

Tata Neu Plus SBI Credit Card

Pros

  • Up to 7% value back on Tata Neu app and partner brands (2% card + 5% NeuPass).
  • 1% back on UPI transactions via the RuPay variant, including small merchant spends.
  • Welcome benefit of 499 NeuCoins effectively offsets the first-year joining fee.
  • Low annual fee waiver threshold of ₹1 Lakh spend in a year.

Cons

  • Lounge access is contingent on spending ₹50,000 in the previous calendar quarter.
  • Rewards are restricted to the Tata ecosystem (NeuCoins) and cannot be redeemed for cash.
  • Monthly reward capping on categories like Grocery (1000) and UPI (500).

Amazon Pay ICICI Bank Credit Card

Pros

  • Unlimited 5% cashback on Amazon.in for Prime members with no upper cap.
  • Lifetime free card with zero joining and annual fees forever.
  • Rewards are automatically credited as Amazon Pay balance every month.
  • Competitive 1.99% forex markup fee for international transactions.

Cons

  • Cashback is restricted to Amazon Pay balance and cannot be withdrawn as cash.
  • Lounge access is now spend-based (₹75,000 per quarter) rather than flat complimentary.
  • No rewards on fuel, rent, gold, or EMI transactions.

Our Verdict

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

Choose Tata Neu Plus SBI Credit Card if

High rewards for shopping at BigBasket, Croma, Tata Cliq, and Westside.

Choose Amazon Pay ICICI Bank Credit Card if

Maximum value for Prime members shopping frequently on Amazon India.

Frequently Asked Questions

Which is better: Tata Neu Plus SBI Credit Card or Amazon Pay ICICI Bank Credit Card?
Amazon Pay ICICI Bank Credit Card edges ahead overall with a stronger combination of rewards and value. However, Tata Neu Plus SBI Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Tata Neu Plus SBI Credit Card and Amazon Pay ICICI Bank Credit Card?
Tata Neu Plus SBI Credit Card has an annual fee of ₹499, while Amazon Pay ICICI Bank Credit Card has no annual fee. Tata Neu Plus SBI Credit Card offers a fee waiver on ₹1,00,000 annual spend.
Which card has better rewards: Tata Neu Plus SBI Credit Card or Amazon Pay ICICI Bank Credit Card?
Tata Neu Plus SBI Credit Card offers a base reward rate of 1% with accelerated rewards on Tata Neu App/Website and NeuPass Membership. Amazon Pay ICICI Bank Credit Card offers 1% base rewards. The better choice depends on your primary spending categories.
Can I have both Tata Neu Plus SBI Credit Card and Amazon Pay ICICI Bank Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Tata Neu Plus SBI Credit Card and Amazon Pay ICICI Bank Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Tata Neu Plus SBI Credit Card or Amazon Pay ICICI Bank Credit Card?
For beginners, Amazon Pay ICICI Bank 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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