Which card has the lower annual fee?

ICICI Platinum Chip has a ₹0 annual fee (lifetime free or zero-fee tier).

Which card earns more on moderate spend?

Tata Neu Plus HDFC Bank Credit Card leads with an estimated ₹3,529/yr net annual value on moderate spend.

Which card has the lower income requirement?

ICICI Platinum Chip lists a minimum monthly income of ₹18,000.

Does this comparison pull my credit score?

No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

Side-by-side · honest numbers

Bajaj Finserv DBS Bank SuperCard vs Tata Neu Plus HDFC Bank Credit Card vs ICICI Platinum Chip

Honest side-by-side comparison of Bajaj Finserv DBS Bank SuperCard, Tata Neu Plus HDFC Bank Credit Card, ICICI Platinum Chip — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

At a glance (moderate spend)

Quick verdict: On moderate spend, Tata Neu Plus HDFC Bank Credit Card ranks first for estimated net annual value — ahead of Bajaj Finserv DBS Bank SuperCard by about ₹3,349/yr.

Bajaj Finserv DBS Bank SuperCard vs Tata Neu Plus HDFC Bank Credit Card vs ICICI Platinum Chip comparison table
Feature	Bajaj Finserv DBS Bank SuperCard DBS Bank	Tata Neu Plus HDFC Bank Credit Card HDFC Bank	ICICI Platinum Chip ICICI Bank
Fees & eligibility
Annual fee	₹999	₹499	Lifetime free
Fee waiver threshold	Waived at ₹2,00,000/yr spend	Waived at ₹1,00,000/yr spend	Lifetime free
Min income	₹25,000/mo	₹25,000/mo	₹18,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	₹180/yr	₹3,529/yr	-₹142/yr
Online shopping	2 pts per ₹150 spend → ₹33/mo (₹400/yr)	5% cashback → ₹100/mo (₹1,200/yr) (cap hit)	—
Top reward rate	2X reward points	5% NeuCoins	1 RP/₹150
Primary reward cap	No monthly cap published	₹2,000 eligible spend/mo	No monthly cap published
UPI rewards	Not supported (Visa/MC)	Earns: 5% NeuCoins on Tata brands; 1% on other eligible spends (UPI & card) · cap NeuCoins caps per Tata Neu / HDFC T&Cs	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent	EMI · Fuel · Rent · Wallet	EMI · Fuel
Bonuses
Signup bonus	—	₹499	—

Frequently asked questions

Which card has the lower annual fee?: ICICI Platinum Chip has a ₹0 annual fee (lifetime free or zero-fee tier).
Which card earns more on moderate spend?: Tata Neu Plus HDFC Bank Credit Card leads with an estimated ₹3,529/yr net annual value on moderate spend.
Which card has the lower income requirement?: ICICI Platinum Chip lists a minimum monthly income of ₹18,000.
Does this comparison pull my credit score?: No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

Customize your spend

Change spend profile or swap cards — results update live below.

Card 1

Bajaj Finserv DBS Bank SuperCard

DBS Bank

Card 2

Tata Neu Plus HDFC Bank Credit Card

HDFC Bank

Card 3

ICICI Platinum Chip

ICICI Bank

Your adjusted comparison

Feature	DBS BankGold Bajaj Finserv DBS Bank SuperCard •••• •••• •••• 4242 Quick facts Bajaj Finserv DBS Bank SuperCard Top reward2X reward points Annual fee₹999 Min income₹25,000/mo Tap to flip back Bajaj Finserv DBS Bank SuperCard DBS Bank	HDFC BankGold Tata Neu Plus HDFC Bank Credit Card •••• •••• •••• 4242 Quick facts Tata Neu Plus HDFC Bank Credit Card Top reward5% NeuCoins Annual fee₹499 Min income₹25,000/mo Tap to flip back Tata Neu Plus HDFC Bank Credit Card HDFC Bank	ICICI BankClassic ICICI Platinum Chip •••• •••• •••• 4242 Quick facts ICICI Platinum Chip Top reward1 RP/₹150 Annual feeLifetime Free Min income₹18,000/mo Tap to flip back ICICI Platinum Chip ICICI Bank
Fees & eligibility
Annual fee	₹999	₹499	Lifetime free
Fee waiver threshold	Waived at ₹2,00,000/yr spend	Waived at ₹1,00,000/yr spend	Lifetime free
Min income	₹25,000/mo	₹25,000/mo	₹18,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	₹180/yr	₹3,529/yr	-₹142/yr
Online shopping	2 pts per ₹150 spend → ₹33/mo (₹400/yr)	5% cashback → ₹100/mo (₹1,200/yr) (cap hit)	—
Top reward rate	2X reward points	5% NeuCoins	1 RP/₹150
Primary reward cap	No monthly cap published	₹2,000 eligible spend/mo	No monthly cap published
UPI rewards	Not supported (Visa/MC)	Earns: 5% NeuCoins on Tata brands; 1% on other eligible spends (UPI & card) · cap NeuCoins caps per Tata Neu / HDFC T&Cs	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent	EMI · Fuel · Rent · Wallet	EMI · Fuel
Bonuses
Signup bonus	—	₹499	—

Bajaj Finserv DBS Bank SuperCard details →Tata Neu Plus HDFC Bank Credit Card details →ICICI Platinum Chip details →

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At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More Bajaj Finserv DBS Bank SuperCard comparisons