Side-by-side · honest numbers
Tata Neu Plus HDFC Bank Credit Card vs IndusInd Bank Crest Credit Card vs IRCTC ICICI Bank Credit Card
Honest side-by-side comparison of Tata Neu Plus HDFC Bank Credit Card, IndusInd Bank Crest Credit Card, IRCTC ICICI Bank Credit Card — 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 IRCTC ICICI Bank Credit Card by about ₹2,649/yr.
| Feature | Tata Neu Plus HDFC Bank Credit Card HDFC Bank | IndusInd Bank Crest Credit Card IndusInd Bank | IRCTC ICICI Bank Credit Card ICICI Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹499 | ₹5,000 | Lifetime free |
| Fee waiver threshold | Waived at ₹1,00,000/yr spend | Waived at ₹4,00,000/yr spend | Lifetime free |
| Min income | ₹25,000/mo | ₹50,000/mo | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹3,529/yr | ₹80/yr | ₹880/yr |
| Online shopping | 5% cashback → ₹100/mo (₹1,200/yr) (cap hit) | — | — |
| Travel | — | 2 pts per ₹150 spend → ₹17/mo (₹200/yr) | 10 pts per ₹150 spend → ₹83/mo (₹1,000/yr) |
| Top reward rate | 5% NeuCoins | 2X reward points | 10% reward points |
| Primary reward cap | ₹2,000 eligible spend/mo | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | Domestic lounge access | Complimentary railway lounge access at select IRCTC partner stations · Railway lounge benefit — no spend milestone in public T&Cs |
| UPI rewards | 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) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | ₹499 | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- IRCTC ICICI Bank Credit Card 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?
- IRCTC ICICI Bank Credit Card lists a minimum monthly income of ₹20,000.
- 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.
Tata Neu Plus HDFC Bank Credit Card
HDFC Bank
IndusInd Bank Crest Credit Card
IndusInd Bank
IRCTC ICICI Bank Credit Card
ICICI Bank
Your adjusted comparison
| Feature | 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 | IndusInd BankPlatinum IndusInd Bank Crest Credit Card •••• •••• •••• 4242 Quick facts IndusInd Bank Crest Credit Card Top reward2X reward points Annual fee₹5,000 Min income₹50,000/mo Tap to flip back IndusInd Bank Crest Credit Card IndusInd Bank | ICICI BankClassic IRCTC ICICI Bank Credit Card •••• •••• •••• 4242 Quick facts IRCTC ICICI Bank Credit Card Top reward10% reward points Annual feeLifetime Free Min income₹20,000/mo Tap to flip back IRCTC ICICI Bank Credit Card ICICI Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹499 | ₹5,000 | Lifetime free |
| Fee waiver threshold | Waived at ₹1,00,000/yr spend | Waived at ₹4,00,000/yr spend | Lifetime free |
| Min income | ₹25,000/mo | ₹50,000/mo | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹3,529/yr | ₹80/yr | ₹880/yr |
| Online shopping | 5% cashback → ₹100/mo (₹1,200/yr) (cap hit) | — | — |
| Travel | — | 2 pts per ₹150 spend → ₹17/mo (₹200/yr) | 10 pts per ₹150 spend → ₹83/mo (₹1,000/yr) |
| Top reward rate | 5% NeuCoins | 2X reward points | 10% reward points |
| Primary reward cap | ₹2,000 eligible spend/mo | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | Domestic lounge access | Complimentary railway lounge access at select IRCTC partner stations · Railway lounge benefit — no spend milestone in public T&Cs |
| UPI rewards | 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) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | ₹499 | — | — |
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https://cardhungry.com/in/en/compare/hdfc-tata-neu-plus-vs-indusind-crest-vs-irctc-iciciMore Tata Neu Plus HDFC Bank Credit Card comparisons
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