Head-to-head · 🇮🇳 India
Tata Neu Infinity HDFC vs ICICI Coral
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
HDFC Bank
Tata Neu Infinity HDFC
VISA
Wins 4 of 10
IN
ICICI Bank
ICICI Coral
VISA
Wins 5 of 10
Verdict
ICICI Coral wins 5-4. Entry-tier card, easy approval, decent base earning, low fee. Tata Neu Infinity HDFC is still the right call if tata ecosystem users, croma, bigbasket, airasia, westside, taj.
Side-by-side
| Criterion | Tata Neu Infinity HDFC | ICICI Coral |
|---|---|---|
| Annual fee | · ₹1,499 | ₹500 |
| Joining fee | · ₹1,499 | ₹500 |
| Top reward rate | 5% (shopping) | · 1% (general) |
| Base reward rate | 1.5% | · 1% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | 1,499 NeuCoins on first spend (offsets joining fee) | · N/A |
| Fee waiver threshold | · ₹300,000 / yr | ₹150,000 / yr |
| Min income | · ₹600,000 | ₹240,000 |
| Min credit score | · 750 | 700 |
| Editorial rating | 4.5/5 | · 4.2/5 |
Benefits compared
Tata Neu Infinity HDFC
- 5% NeuCoins on Tata Neu app & partner brands (Croma, BigBasket, Westside, AirAsia)
- 1.5% NeuCoins on UPI and other transactions
- 8 complimentary domestic + 4 international lounge visits / year
- 1 NeuCoin = ₹1, redeemable at any Tata brand
- 1% fuel surcharge waiver (₹500/month cap)
ICICI Coral
- 2 ICICI Bank Reward Points per ₹100 (no points on fuel)
- Milestone: 2,000 reward points at ₹2L spend, +1,000 per additional ₹1L, up to 10,000 per year
- 4 complimentary domestic lounge visits per year
- 15% off at 2,500+ partner restaurants (Culinary Treats)
- 1% fuel surcharge waiver
- Free movie tickets via BookMyShow (buy-1-get-1)
FAQ
›Tata Neu Infinity HDFC vs ICICI Coral: which is better?
ICICI Coral wins on more dimensions (5 vs 4). But the right answer depends on your specific spending pattern, see the calculator below.
›Can I get both?
Yes, if your credit profile supports it, holding both is the optimal play. Use Tata Neu Infinity HDFC for its best categories, ICICI Coral for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Tata Neu Infinity HDFC: 1,499 NeuCoins on first spend (offsets joining fee). ICICI Coral doesn't list a welcome bonus.