Tata Neu Infinity HDFC Bank Credit Card vs ICICI Business Credit Cards

• As a welcome benefit, cardholders can receive 1,499 NeuCoins against the first-year membership fee. To qualify, the first card transaction must be completed within 30 days of issuance
• The welcome NeuCoins become claimable through the Tata Neu app within 60 days of the qualifying transaction. Eligible customers must claim them within 180 days from the applicable statement date
• Welcome NeuCoins remain valid for 365 days from the date they are claimed. This benefit is not available on Lifetime Free or First-Year-Free cards
• Spend at least Rs. 3 lakh during a card membership year, before the renewal date, to have the following year’s renewal fee waived
• Earn 5% back as NeuCoins on eligible, non-EMI purchases made through Tata Neu and participating Tata brands
• Receive 1.5% back as NeuCoins on eligible purchases made outside the Tata brand network
• Merchant EMI transactions are eligible for 1.5% back as NeuCoins, subject to the applicable reward conditions
• Cardholders registered for Tata NeuPass can earn an additional 5% back on selected categories on the Tata Neu app or website. The transaction must be made from the primary cardholder’s Tata Neu account registered with the bank’s mobile number
• The additional NeuPass reward does not presently apply to Tata Pay bill payments, Tanishq, Cult.fit, Air India and Tata Play transactions
• Eligible UPI payments can earn up to 1.5% back as NeuCoins. A base reward of 0.5% is available on qualifying UPI purchases, while an additional 1% can be earned when payment is made using an eligible Tata Neu UPI ID
• UPI rewards are limited to a total of 500 NeuCoins per calendar month
• NeuCoins are not awarded on fuel, wallet loading, rent, government-related payments and online gaming transactions
• Education payments made through third-party platforms such as CRED, CheQ or MobiKwik do not earn NeuCoins. Eligible payments made directly through an educational institution’s website or POS terminal may qualify
• NeuCoins earned on grocery purchases are capped at 2,000 per calendar month
• Utility and telecom/cable transactions are each subject to a separate reward limit of 2,000 NeuCoins per calendar month
• Insurance transactions can earn a maximum of 2,000 NeuCoins in a calendar month

Lounge Benefits

• Domestic lounge access is now spending-based. Spend at least Rs. 50,000 in a calendar quarter to receive two complimentary domestic lounge vouchers for that quarter, with a maximum of 8 vouchers in a calendar year
• Eligible customers are informed through SMS or email. Lounge vouchers must be claimed through the specified voucher portal within 120 days and used within 180 days of issuance.
• Visa cardholders can request a Priority Pass and receive up to 4 complimentary international lounge visits per calendar year, limited to 1 visit per quarter. This overall limit includes visits made by both primary and add-on cardholders
• International lounge visits exceeding the complimentary Visa entitlement, as well as guest visits, are charged at US $27 plus applicable GST per visit. Priority Pass usage within India is also chargeable
• RuPay cardholders receive up to 4 complimentary international lounge visits per calendar year, limited to 1 visit per quarter. An access charge of US $3.25 may initially appear and is subsequently reversed for an eligible complimentary visit

Travel, Protection and Other Benefits

• The card provides accidental air-death insurance coverage of up to Rs. 1 crore
• Emergency hospitalization outside India is covered for up to Rs. 15 lakh, subject to the policy’s applicable terms and exclusions
• Lost-card liability protection is available for up to Rs. 9 lakh
• Fraudulent transactions may be covered under the card’s zero-liability protection, provided the loss or unauthorized use is reported immediately to HDFC Bank’s 24-hour customer service facility
• A 1% fuel-surcharge waiver is available at fuel stations across India on individual transactions between Rs. 400 and Rs. 5,000 The maximum waiver is Rs. 500 per statement cycle
• A foreign-currency markup of 2% plus applicable taxes is charged on international transactions
• The card supports contactless payments
• Purchases can receive an interest-free credit period of up to 50 days, depending on the transaction date and when the merchant submits the charge
• There’s option to convert big spends into EMI after purchase available on Tata Neu Plus HDFC Bank Credit Card

NeuCoin Usage

• NeuCoins can be redeemed through Tata Neu for eligible purchases from participating brands such as Air India Express, Bigbasket, Croma, Westside, Tata CLiQ, Tata CLiQ Luxury, IHCL hotels, Tata 1mg, Qmin, Titan and Tanishq
• Tanishq redemptions must be completed through the Tata Neu platform and remain subject to the individual brand’s redemption rules
• NeuCoins credited from regular card spending are generally transferred to the linked Tata Neu account within seven working days after statement generation
• NeuCoins earned from August 1, 2025 onward generally remain valid for 12 months, including the applicable lock-in period, calculated from the end of the month in which they are credited. Welcome or promotional NeuCoins may have separately communicated expiry conditions

Key Features For all ICICI Business Cards: 

• Interest-free credit period up to 48 days
• Spends linked rewards / InterMiles / Offers & Discounts
• Fuel surcharge waiver of 1%
• Simplify book keeping - Online expense management
• Complimentary Airport Lounge access
• Comprehensive Insurance Coverage up to Rs. 75 lakh
• GCAS customer assistance

For Business Advantage Black Card:

Key benefits:

Save more with Cashback, earn cashback on spends which means more you spend the higher cashback you get. For details see below: 

For Statement Balance Rs >75k:

Domestic Spends - Up to 1%

International Spends Up to 1%  

For Statement Balance (Rs<25k> – Rs<50k>):

Cashback on eligible spends-

Domestic Spends: Up to 0.5%

International Spends: Up to 1%

Eligible only on Airline, Hotel and restaurant spends except for select categories such as fuel, cash withdrawals, insurance, all fees and interest charges. Cashback earned in a month is subject to a maximum of Rs 2,000 through eligible spends.

• Contactless Card
• Concierge Services
• Culinary Treats: Get minimum discount of 15% on dining bill at nearly 2,500+ restaurants spread across cities with ICICI Bank Culinary Treats Programme
• Insurance Benefits: Personal air accident death insurance cover of up to Rs 75 lakh
• Airport Lounges: Get 2 complimentary access per quarter at select Airport Lounges in India 

Enjoy Exclusive SME Offers from top brands such as: Docusign (Get 10% off up to a maximum of 30% off on an annual DocuSign Business Pro Package), Evernote (Get 3 months free of Evernote Premium Subscription), Awfis (When booking your seats with Awfis, get 20% off on Meeting Rooms PAN India), Amazon Web Services (Web Hosting Services - Get up to 16% off on Web Builder bundles and up to 21% off on Web Hosting bundles on BigRock. Get free Cloud Assessment worth USD 250 from an Amazon Web Services), Airtel Business (Avail exciting offers on Airtel Internet Leased Line, Unified Conferencing, Broadband and Corporate Postpaid plans. Get up to 36% off on Airtel Internet Leased Line, One month free on Airtel Unified Conferencing, up to Rs. 200 off on Airtel Broadband monthly bill, and Rs. 75 off on a standard Airtel Corporate Postpaid market plan).

FOR Business Advantage Blue Card:

Key benefits:

Save more with Cashback, earn cashback on spends which means more you spend the higher cashback you get. For details see below:

Statement Balance Rs >75k Cashback on eligible spends:

Domestic Spends -  Up to 1%

International Spends - Up to 1%  

Statement Balance (Rs<25k> – Rs<50k>) Cashback on eligible spends:

Domestic Spendsc - Up to 0.5%

International Spends - Up to 1%

Eligible only on Airline, Hotel and restaurant spends except for select categories such as fuel, cash withdrawals, insurance, all fees and interest charges. Cashback earned in a month is subject to a maximum of Rs 500 through eligible spends.

• Contactless Card
• Concierge Services
• Culinary Treats: Get minimum discount of 15% on dining bill at nearly 2,500+ restaurants spread across cities with the ICICI Bank Culinary Treats Programme
• Insurance Benefits: Personal air accident death insurance cover of up to Rs 75 lakh
• Airport Lounges: Get 2 complimentary access per quarter at select Airport Lounges in India 
• Exclusive SME Offers from top brands such as: Docusign (Get minimum of 10% off up to a maximum of 30% off on an annual DocuSign Business Pro Package), Evernote (Get 3 months free of Evernote Premium Subscription), Awfis (While booking your seats with Awfis, get 20% off on Meeting Rooms PAN India), Amazon Web Services (Web Hosting Services - Get up to 16% off on Web Builder bundles and up to 21% off on Web Hosting bundles on BigRock, free Cloud Assessment worth USD 250 from an Amazon Web Services), Airtel Business (Avail exciting offers on Airtel Internet Leased Line, Unified Conferencing, Broadband and Corporate Postpaid plans, up to 36% off on Airtel Internet Leased Line, One month free on Airtel Unified Conferencing, Rs 200 off on Airtel Broadband monthly bill, and Rs 75 off on a standard Airtel Corporate Postpaid market plan)

Pros

• Accidental air death cover worth Rs. 1 Crore
• Emergency overseas hospitalization: Up to Rs. 15 lakhs
• Lost Card Liability Cover : Up to Rs. 9 lakhs
• Use the NeuCoins for purchases on Tata Neu /Website for Brands like: AirAsia India, Bigbasket, Croma Westside, Tata CLiQ, Tata CLiQ Luxury, Hotel Bookings/Purchases on IHCL, TATA 1MG, Qmin, and Titan and Tanishq (only via Tata Neu)

Cons

• No golf benefits
• Tata Neu coins are valid only for 12 months and can be used only in the Tata Neu app or paying thru the Neu app

Pros

For all ICICI Business Cards:

• Spends linked rewards / InterMiles / Offers & Discounts
• Fuel surcharge waiver of 1%
• Complimentary Airport Lounge Access
• Comprehensive Insurance Coverage up to Rs. 75 lakh

Cons

• No complimentary Golf/coaching sessions

To apply for ICICI Bank Credit Cards please click here