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Tata Neu Infinity HDFC Bank vs Amazon Pay ICICI Bank: Which Card Is Better?

A side-by-side comparison of Tata Neu Infinity HDFC Bank and Amazon Pay ICICI Bank credit cards: fees, reward rates by category, caps, forex markup, lounge access, and which one earns more for different kinds of spenders.

Verdict

Tata Neu Infinity HDFC Bank earns more in 5 of the 7 spending profiles we tested. Choose Tata Neu Infinity for shoppers loyal to tata brands. Choose Amazon Pay ICICI for amazon prime members who want a no-fee card.

Spending profileTata Neu InfinityAmazon Pay ICICIWinner
Balanced spender₹5,400₹5,400Tata Neu Infinity (+₹0)
Online shopper₹5,850₹7,980Amazon Pay ICICI (+₹2,130)
Frequent traveller₹8,868₹6,782Tata Neu Infinity (+₹2,086)
Family & groceries₹7,920₹7,920Tata Neu Infinity (+₹0)
Foodie₹6,120₹5,280Tata Neu Infinity (+₹840)
Daily commuter₹3,870₹3,900Amazon Pay ICICI (+₹30)
High spender₹23,292₹19,893Tata Neu Infinity (+₹3,399)

Estimated yearly value after caps, fees (with GST) and forex costs. Try your own spends →

Tata Neu Infinity vs Amazon Pay ICICI: full comparison

FeatureTata Neu Infinity HDFC BankAmazon Pay ICICI Bank
Card
Tata Neu Infinity HDFC BankHDFC Bank
Amazon Pay ICICI BankICICI Bank
Annual fee₹1,499 + GSTFree
Joining fee₹1,499 + GSTFree
Fee waiverWaived on ₹3,00,000 yearly spendNo fee to waive
NetworkRuPay / VisaVisa
Amazon rewards1.5%5%
Flipkart rewards1.5%1%
Other online shopping rewards1.5%1%
Food delivery rewards1.5%1%
Dining out rewards1.5%1%
Groceries rewards1.5%1%
Flights & hotels rewards1.5%1%
Fuel rewards0%0%
Bills & recharges rewards1.5%2%
Everything else rewards1.5%1%
Forex markup2%1.99%
Lounge access8 domestic + 4 international visits a yearNone
Reward capsNo major capsNo major caps
Est. yearly value: balanced spender₹5,400₹5,400
Est. yearly value: online shopper₹5,850₹7,980
Est. yearly value: frequent traveller₹8,868₹6,782
Est. yearly value: family & groceries₹7,920₹7,920
Best forShoppers loyal to Tata brandsAmazon Prime members who want a no-fee card
Pros
  • 5% back as NeuCoins on Tata Neu and partner brands
  • 1.5% back on all other spends, including UPI on the RuPay variant
  • Domestic and international lounge access
  • 2% forex markup
  • Lifetime free, with no joining or annual fee
  • 5% back on Amazon for Prime members
  • 2% back on bill payments through Amazon Pay
  • Lower 1.99% forex markup
Cons
  • NeuCoins are only useful inside the Tata ecosystem
  • Since May 2026 the 5% rate needs payment with the card on Tata Neu (UPI loophole closed)
  • Higher ₹1,499 fee
  • Only 3% on Amazon without Prime
  • Flights and hotels booked via Amazon Pay no longer earn the 5%/3% rate
  • 1% fee on wallet loads of ₹5,000+ and on utility payments above ₹50,000 a month (2026)
  • No lounge access
Visit HDFC BankVisit ICICI Bank

FAQs

Which is better, Tata Neu Infinity or Amazon Pay ICICI?

Tata Neu Infinity HDFC Bank comes out ahead in 5 of 7 spending profiles we tested. Choose Tata Neu Infinity HDFC Bank if you want a card for shoppers loyal to tata brands. Choose Amazon Pay ICICI Bank if you want a card for amazon prime members who want a no-fee card.

What is the difference in annual fee between Tata Neu Infinity and Amazon Pay ICICI?

Tata Neu Infinity HDFC Bank: ₹1,499 + GST (waived on ₹3,00,000 yearly spend). Amazon Pay ICICI Bank: Lifetime free (no fee to waive).

Which card has a lower forex markup?

Amazon Pay ICICI Bank has the lower forex markup at 1.99%, compared with 2%.

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