Tata Neu Infinity HDFC Bank Credit Card vs ICICI Bank Coral Credit Card
HDFC Bank · ICICI Bank — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
HDFC BankScoreVery Good
Annual Fee₹1,499
Max Reward10%
ICICI BankScoreGood
Annual Fee₹500
Max Reward2%
Tata Neu Infinity HDFC Bank Credit Card leads overall with a CardCheck Score of 79/100 (+10 pts over ICICI Bank Coral Credit Card).
4-Pillar Head-to-Head Breakdown
Tata vs ICICIReward Power
35%Tata35/35
ICICI24/35
Tata Wins
Fee Value & ROI
25%Tata18/25
ICICI22/25
ICICI Wins
Lounge & Travel
20%Tata18/20
ICICI11/20
Tata Wins
Forex & Access
20%Tata8/20
ICICI12/20
ICICI Wins
01—CardCheck Score & Pillars
- CardCheck Score
- 79Best
- 69
- Rating Verdict
- Very Good
- Good
- Reward Power (35%)
- 35/35
- 24/35
- Fee Value & ROI (25%)
- 18/25
- 22/25
- Lounge & Travel (20%)
- 18/20
- 11/20
- Forex & Access (20%)
- 8/20
- 12/20
02—Basic Info
- Bank
- HDFC Bank
- ICICI Bank
- Network
- Visa
- Visa
- Card type
- Co-branded
- Regular
- Best for
- Tata ecosystem power users — 5% NeuCoins + lounge access
- Entry-level rewards and domestic lounge access
03—Fees
- Joining fee
- ₹1,499
- ₹500Best
- Annual fee
- ₹1,499
- ₹500Best
- Fee waiver
- ₹3,00,000
- ₹1,50,000Best
- Interest-free days
- 50
- 50
04—Interest
- APR (min)
- 45%
- 43.2%Best
- APR (max)
- 45%
- 45%
- Late payment fee
- ₹1,300
- ₹1,300
- Cash advance fee
- 2.5%
- 2.5%
05—Rewards
- Reward type
- points
- points
- Min rate
- 0.5%
- 0.5%
- Max rate
- 10%Best
- 2%
- Points / ₹100
- 1.5
- 2Best
- Point value
- ₹1
- ₹0.25
- Monthly cap
- ₹2,500
- —
06—Travel & Lounge
- Domestic lounge / qtr
- 2Best
- 1
- Lounge spend criteria
- 2 Domestic lounge vouchers/quarter after ₹50,000 quarterly spend
- No spend condition
- Intl lounge / year
- 4
- —
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 3.5%
- 3.5%
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min income / month
- ₹1,00,000
- ₹20,000
- Invite only
Rows won
03of 08
05of 08
| Attribute ↓ | ||
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 79Best | 69 |
| Rating Verdict | Very Good | Good |
| Reward Power (35%) | 35/35 | 24/35 |
| Fee Value & ROI (25%) | 18/25 | 22/25 |
| Lounge & Travel (20%) | 18/20 | 11/20 |
| Forex & Access (20%) | 8/20 | 12/20 |
02—Basic Info Differences highlighted | ||
| Bank | HDFC Bank | ICICI Bank |
| Network | Visa | Visa |
| Card type | Co-branded | Regular |
| Best for | Tata ecosystem power users — 5% NeuCoins + lounge access | Entry-level rewards and domestic lounge access |
03—Fees Differences highlighted | ||
| Joining fee | ₹1,499 | ₹500Best |
| Annual fee | ₹1,499 | ₹500Best |
| Fee waiver | ₹3,00,000 | ₹1,50,000Best |
| Interest-free days | 50 | 50 |
04—Interest Differences highlighted | ||
| APR (min) | 45% | 43.2%Best |
| APR (max) | 45% | 45% |
| Late payment fee | ₹1,300 | ₹1,300 |
| Cash advance fee | 2.5% | 2.5% |
05—Rewards Differences highlighted | ||
| Reward type | points | points |
| Min rate | 0.5% | 0.5% |
| Max rate | 10%Best | 2% |
| Points / ₹100 | 1.5 | 2Best |
| Point value | ₹1 | ₹0.25 |
| Monthly cap | ₹2,500 | — |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 2Best | 1 |
| Lounge spend criteria | 2 Domestic lounge vouchers/quarter after ₹50,000 quarterly spend | No spend condition |
| Intl lounge / year | 4 | — |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 3.5% | 3.5% |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min income / month | ₹1,00,000 | ₹20,000 |
| Invite only | ||
| Rows won | 03of 08 | 05of 08 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | Tata Neu Infinity HDFC Bank Credit Card | ICICI Bank Coral Credit Card |
|---|---|---|
| CardCheck Score | 79/100Very Good | 69/100Good |
| Annual Fee | ₹1,499 | ₹500 |
| Fee Waiver Spend | ₹3L/yr | ₹1.5L/yr |
| Max Reward Potential | 10% | 2% |
| Domestic Lounge Access | 2 / quarter | 1 / quarter |
| International Lounge | 4 / year | None |
| Forex Markup Fee | 3.5% | 3.5% |
Choose Tata Neu Infinity HDFC Bank Credit Card if:
Your spending centers around tata ecosystem power users — 5% neucoins + lounge access and you want direct partner rewards with HDFC Bank.
Choose ICICI Bank Coral Credit Card if:
Your spending aligns with entry-level rewards and domestic lounge access and you prioritize ICICI Bank's redemption benefits.
Popular Comparisons for Tata Neu Infinity HDFC Bank Credit Card
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Direct side-by-side MITC term matchups
Frequently asked questions: Tata Neu Infinity HDFC Bank Credit Card vs ICICI Bank Coral Credit Card
- Which is better: Tata Neu Infinity HDFC Bank Credit Card or ICICI Bank Coral Credit Card?
- Tata Neu Infinity HDFC Bank Credit Card holds a higher overall rating with a CardCheck Score of 79/100 (Very Good) compared to 69/100 (Good) for ICICI Bank Coral Credit Card (a lead of +10 points). Tata Neu Infinity HDFC Bank Credit Card gains its scoring lead primarily through reward potential (35 vs 24) and lounge & travel privileges (18 vs 11).
- How do annual fees and fee waiver spend rules compare?
- Tata Neu Infinity HDFC Bank Credit Card charges an annual fee of ₹1,499 with an annual spend threshold of ₹3 Lakh for renewal fee waiver. In comparison, ICICI Bank Coral Credit Card charges an annual fee of ₹500 with an annual spend threshold of ₹1.5 Lakh.
- How do the reward rates and cashback compare between Tata Neu Infinity HDFC Bank Credit Card and ICICI Bank Coral Credit Card?
- Tata Neu Infinity HDFC Bank Credit Card offers a base reward rate of 0.5% and up to 10% on accelerated partner categories. Meanwhile, ICICI Bank Coral Credit Card offers a base rate of 0.5% and up to 2% on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
- Which card has better airport lounge access: Tata Neu Infinity HDFC Bank Credit Card or ICICI Bank Coral Credit Card?
- Tata Neu Infinity HDFC Bank Credit Card provides 2 complimentary domestic lounge visits per quarter (8/year) and 4 international lounge visits/year with Priority Pass (2 Domestic lounge vouchers/quarter after ₹50,000 quarterly spend). On the other hand, ICICI Bank Coral Credit Card provides 1 complimentary domestic lounge visit per quarter (4/year).
- Which card is better for international foreign currency spends?
- Tata Neu Infinity HDFC Bank Credit Card levies a foreign currency markup fee of 3.5%, while ICICI Bank Coral Credit Card charges 3.5%. Lower forex markup directly reduces costs when transacting overseas or on international e-commerce platforms.
- Is CardCheck's comparison data unbiased and verified against official bank MITC?
- Yes. All credit card fees, interest rates, lounge visit quotas, and reward calculations on CardCheck are 100% unsponsored and verified directly against each bank's official Most Important Terms & Conditions (MITC).