Amazon Pay ICICI vs Tata Neu Plus HDFC
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Amazon Pay ICICI wins 6-1. Heavy Amazon shoppers, best free card in India Tata Neu Plus HDFC is still the right call if tata neu shoppers who want the neucoins without the infinity fee..
Side-by-side
| Criterion | Amazon Pay ICICI | Tata Neu Plus HDFC |
|---|---|---|
| Annual fee | No annual fee | · ₹499 |
| Joining fee | None | · ₹499 |
| Top reward rate | 5% (shopping) | · 2% (shopping) |
| Base reward rate | = 1% | = 1% |
| Forex markup | = 3.5% | = N/A |
| Welcome bonus | ₹500 Amazon Pay balance on first transaction | · N/A |
| Fee waiver threshold | · N/A (no fee) | ₹1,00,000 / yr |
| Min income | = ₹3,00,000 | = ₹3,00,000 |
| Min credit score | 720 | · N/A |
| Editorial rating | 4.7/5 | · 4.2/5 |
Benefits compared
Amazon Pay ICICI
- 5% cashback on Amazon for Prime members (3% non-Prime)
- 2% cashback on 100+ Amazon Pay merchants (Swiggy, BigBasket, MakeMyTrip)
- 1% cashback on every other transaction
- No annual fee, no joining fee, ever
- 1% fuel surcharge waiver
- No reward expiry, no minimum redemption
Tata Neu Plus HDFC
- 2% back as NeuCoins on Tata Neu and partner Tata brands
- 1% back as NeuCoins on other non-EMI spends
- Up to 1% back on eligible UPI spends
- 1 NeuCoin = ₹1 on Tata Neu
- Renewal fee waived on ₹1,00,000 spend in a year
- Issued on Visa or RuPay
FAQ
›Amazon Pay ICICI vs Tata Neu Plus HDFC: which is better?
Amazon Pay ICICI wins on more dimensions (6 vs 1). But the right answer depends on your specific spending pattern. Run your own monthly spend through the maximizer to see which one pays you more.
›Can I get both?
Yes, if your credit profile supports it, holding both is the optimal play. Use Amazon Pay ICICI for its best categories, Tata Neu Plus HDFC for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Amazon Pay ICICI: ₹500 Amazon Pay balance on first transaction. Tata Neu Plus HDFC doesn't list a welcome bonus.