vs
In short: ICICI Amazon Pay has the lower annual fee (none vs ₹499); both charge a 3.5% forex markup.
| Key facts | ICICI Amazon Pay | HDFC Tata Neu Plus |
|---|---|---|
| Annual fee | None | ₹499 |
| Joining fee | None | ₹499 |
| Annual fee waived | Not listed | On ₹1 lakh annual spend |
| Top reward rate | 5% Cashback For Amazon Prime Member | 2% Back as NeuCoins on Non-EMI Spends on Tata Neu |
| Base rewards | 1% Cashback on Other Merchants Outside Amazon.in For Amazon Prime Member | 1% Back as NeuCoins on Non-Tata Brands |
| Lounge access | Not listed | 1 airport lounge visit a quarter |
| Forex markup | 3.5% | 3.5% |
From issuer benefit data, checked 7 Nov 2026. Milestones, welcome benefits and caps are in the full table below.
On ₹20,000 a month with ₹5,000 at each card's top rate, ICICI Amazon Pay returns about ₹2,299 more a year after annual fees (₹4,800 vs ₹3,000 in rewards).
| Spend profile | ICICI Amazon Pay | HDFC Tata Neu Plus |
|---|---|---|
| Reward value: top rate / base rate | 5% / 1% | 2% / 1% |
| ₹20,000 a month, all general spends | ₹2,400 | ₹2,400 |
| ₹20,000 a month, ₹5,000 of it at each card's top rate | ₹4,800 | ₹3,000 |
| Annual fee | None | ₹499 |
Estimates from the earn rates above, with stated cashback caps applied, before exclusions. Reward points are valued at the card's best listed redemption (often travel or vouchers via the bank's portal); cash-back on the statement is usually worth less. Annual fees may be waived on spend (see the table below).
The Icici Bank Amazon Pay Visa Credit Card offers no joining or annual fees and is tailored for Amazon Prime members with up to 5% cashback on Amazon spends. In contrast, the Tata Neu Plus Hdfc Bank Credit Card charges a Rs.499 joining and renewal fee, which can be waived by spending Rs.100,000 annually, and rewards users with NeuCoins primarily on Tata brand spends. Both cards have a 3.5% forex markup and a 1% fuel surcharge waiver, but they differ significantly in rewards focus and lounge access.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
Last updated:
| Feature | Icici Bank Amazon Pay Visa Credit Card | Tata Neu Plus Hdfc Bank Credit Card |
|---|---|---|
| Bank | ICICI Bank | HDFC Bank |
| Network | Visa | Visa |
| Joining fee | No Joining Fees | Joining Fee of Rs.499 |
| Annual / renewal fee | No Annual Fee | Renewal Fee of Rs.499 |
| Annual fee waiver | — | Spend Rs.100000 For Renewal Fee Waiver |
| Top reward rate | Earn 5% Cashback For Amazon Prime Member | 2% Back as NeuCoins on Non-EMI Spends on Tata Neu |
| Base rate (other spends) | Earn 1% Cashback on Other Merchants Outside Amazon.in For Amazon Prime Member | 1% Back as NeuCoins on Non-Tata Brands |
| Lounge — domestic | — | 1 Complimentary Airport Lounge Access Per Quarter |
| Fuel surcharge waiver | 1% Fuel Surcharge Waiver | 1% Fuel Surcharge Waiver |
| Welcome benefit | 100% Back up to Rs.200 on Amazon Shopping For Prime Members | Welcome Benefit of 499 NeuCoins |
| Foreign currency markup | 3.5% - Foreign Currency Transactions | 3.50% - Foreign Currency Transactions |
For rewards, the Icici Bank Amazon Pay Visa Credit Card stands out with a top cashback rate of 5% for Amazon Prime members and a base rate of 1% on other spends, making it more rewarding for regular Amazon shoppers. The Tata Neu Plus Hdfc Bank Credit Card offers 2% back as NeuCoins on Tata brand spends and 1% on other spends, which is lower overall. At Rs.20,000 monthly spend, the Amazon Pay card yields about Rs.4,800 annually in rewards compared to Rs.3,000 with the Tata Neu Plus card. The Amazon card's rewards are straightforward cashback, while Tata Neu Plus rewards are in NeuCoins, which may require redemption within the Tata ecosystem.
Both cards provide benefits for travel, but in different ways. The Icici Amazon Pay card offers 5% cashback on travel for Prime members and 3% for non-members, which is a strong travel reward rate. The Tata Neu Plus card gives 2% NeuCoins back on non-EMI spends on Air India Express and other Tata-related brands, plus one complimentary domestic airport lounge access per quarter, which adds a travel convenience factor. Information about international lounge access is not listed in our data for either card. Overall, travel rewards favor the Amazon Pay card for cashback value, while Tata Neu Plus offers some lounge access and Tata brand travel benefits.
The Icici Bank Amazon Pay Visa Credit Card has no joining or annual fees, making it cost-effective and beginner-friendly. The Tata Neu Plus Hdfc Bank Credit Card charges Rs.499 for joining and renewal, but this fee is waived if you spend Rs.100,000 annually. Both cards have a 3.5% forex markup and a 1% fuel surcharge waiver. For users who prefer a no-fee card and simpler cost structure, the Amazon Pay card is better. For those who can meet the high spend threshold to waive fees, the Tata Neu Plus card may be worth considering.
The Icici Bank Amazon Pay Visa Credit Card is co-branded with Amazon and offers enhanced cashback primarily for Amazon Prime members, making it ideal for heavy Amazon users. The Tata Neu Plus Hdfc Bank Credit Card rewards NeuCoins mainly on Tata group brands like BigBasket, Croma, and Tata CliQ, which benefits users loyal to the Tata ecosystem.
The Tata Neu Plus card provides one complimentary domestic airport lounge access per quarter, adding travel convenience. Information about domestic lounge access is not listed in our data for the Icici Amazon Pay card.
Consider Icici Bank Amazon Pay Visa Credit Card if you are an Amazon Prime member or frequent Amazon shopper looking for high cashback rates without any joining or annual fees. This card is also suitable if you prefer straightforward cashback rewards and want to avoid annual fees altogether.
Consider Tata Neu Plus Hdfc Bank Credit Card if you frequently shop within the Tata ecosystem and can meet the Rs.100,000 annual spend to waive the renewal fee. This card is also a good choice if you value earning NeuCoins for Tata brand spends and want the added benefit of quarterly complimentary domestic lounge access.
No, the Icici Bank Amazon Pay Visa Credit Card has no joining fees and no annual fees.
The Tata Neu Plus Hdfc Bank Credit Card has a joining and renewal fee of Rs.499, which can be waived by spending Rs.100,000 in a year.
The Icici Bank Amazon Pay Visa Credit Card offers up to 5% cashback for Amazon Prime members, which is higher than the Tata Neu Plus card's 2% NeuCoins on Tata brand spends.
The Tata Neu Plus Hdfc Bank Credit Card offers one complimentary domestic airport lounge access per quarter. Information about lounge access is not listed in our data for the Icici Bank Amazon Pay Visa Credit Card.
Both cards charge a forex markup fee of 3.5% on foreign currency transactions.
Yes, both cards offer a 1% fuel surcharge waiver.