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| Feature | HDFC Bank Tata Neu Infinity HDFC Bank Credit Card | ICICI Bank MakeMyTrip ICICI Bank Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | HDFC Bank | ICICI Bank |
| Network | RuPay | Mastercard + RuPay |
| Annual fee | ₹1,499 + GST per year | ₹999 + GST per year |
| Annual fee waiver | At ₹3,00,000 annual spending | At ₹3,00,000 annual spending |
| Base reward rate | 1.5% | 1% |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | Combined UPI NeuCoins: ₹500/month · Grocery NeuCoins: ₹2,000/month · Utility NeuCoins: ₹2,000/month · Insurance NeuCoins: ₹2,000/month | No general cap recorded |
| RuPay credit card on UPI | Eligible for merchant UPI payments | Eligible for merchant UPI payments |
| Airport lounge access | 8 domestic airport lounge visits per year • 4 international airport lounge visits per year | 8 domestic airport lounge visits per year • 1 international airport lounge visit per year |
| Forex markup | 2% | 1.0% |
| Monthly income requirement | Approx. ₹1,00,000/month salaried · ₹1,00,000/month self-employed | Approx. ₹20,000/month salaried · ₹20,000/month self-employed |
| Terms verified | 14 Sept 2026 | 23 Sept 2026 |
| Best suited to | UPI enthusiasts who want cashback on QR scans + BigBasket/Croma shoppers. | MakeMyTrip users who want low forex, UPI and occasional lounge access in one card package. |
| Main trade-off | UPI rewards share a 500-NeuCoin monthly cap. Grocery, utility, telecom/cable and insurance each have a 2,000-NeuCoin monthly cap; NeuPass exclusions vary by Tata brand. | myCash is spendable only through MakeMyTrip and cannot be transferred to a bank account. Domestic lounge and movie offers require preceding-quarter spend, and the renewal waiver needs ₹3 lakh annually. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
