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HDFC
Tata Neu Plus MoneyBack ICICI Bank Amazon Pay IDFC FIRST Kotak Urbane OneCar
Axis Bank ACE
HDFC Bank Credit Coral Credit ICICI Bank Select Credit Gold Credit Credit C
Credit Card
Credit Card Card Card Credit Card Card Card
Ap
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Joining Fee Joining Fee Joining Fee Joining Fee Joining Fee Joining Fee Joining Fee Joining Fee
Rs. 499 + GST Rs. 500 + GST Rs. 499 + GST Rs. 500 + GST Nil Nil Nil Nil

Rewards and Benefits 

Welcome Benefits Welcome Welcome Benefits Welcome Benefits Welcome Benefits Welcome Benefits Welcome Benefits Welcome Be
499 NeuCoins Benefits N/A N/A Cashback and Vouchers worth NA N/A
Get 500 Cash Discounts Up to Rs. 500 on
Points. Rs. 2,000 and spends of Rs.
Free 3-Month 15,000 within 90
Prime days of card
Membership issuance. Also,
get a 5%
cashback on EMI
transactions (up
to Rs. 1,000)
within 30 days of
card issuance.

Rewards Rate Rewards Rate Rewards Rate Rewards Rate Rewards Rate Rewards Rate Rewards Rate Rewards Rat
2% & 1% 4 Reward 5% cashback on paying 1 Reward Point 5% cashback on 3 Reward Points 3x Reward Points 1 Reward Po
cashback in the Points on bills & on mobile per Rs. 100 you Amazon on each Rs. 125 per Rs. 100 you per Rs. 50 sp
form of NeuCoins every Rs 150 recharges via GPay and spend on utilities purchases for spent offline, 6 spend on all retail 5x Reward P
while shopping on spent online 4% cashback on & insurance Prime members Reward Points on transactions on top two s
Tata and non-Tata and 2 Reward Swiggy, Ola, Zomato, related spends, and 3% cashback each Rs. 125 categories o
Brands Points on with a combined and 2 Reward for Non-Prime spent online, and month
respectively. every other capping of Rs. 500 Points per Rs. 100 members, 2% 10 Reward Points
Additional 5% spend, reward cashback per month.2% spent elsewhere. cashback on on every Rs. 125
back as NeuCoins rate of up to cashback elsewhere on partner brands & on spends above
on the Tata Neu 0.67%. other merchants. 1% cashback on Rs. 25,000.
app or website. all other
payments except
fuel purchases

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HDFC
Tata Neu Plus MoneyBack ICICI Bank Amazon Pay IDFC FIRST Kotak Urbane OneCar
Axis Bank ACE
HDFC Bank Credit Coral Credit ICICI Bank Select Credit Gold Credit Credit C
Credit Card
Credit Card Card Card Credit Card Card Card
Ap
Apply Now
Apply Apply Apply Apply Apply Now
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Movie & Dining Movie & Movie & Dining Movie & Dining Movie & Dining Movie & Dining Movie & Dining Movie & Din
NA Dining A discount of up to 20% 25% discount up A minimum of “Buy One Get NA N/A
Exclusive on dining at 4,000+ to Rs. 100 on 15% discount on One” offer on
dining restaurants under the movie ticket dining bills at movie tickets up
benefits with Axis Bank Dining booking on restaurants to Rs. 250 while
the Good Delights program. BookMyShow. Get participating in booking with the
Food Trail up to 15% the Culinary Paytm app & up to
program. discount on Treats program 20% discount on
Save up to dining. dining at over
20% on your 1500 restaurants.
restaurant
bills through
Swiggy
Dineout

Reward Reward Reward Redemption Reward Reward Reward Reward Reward

Redemption Redemption Your earned cashback Redemption Redemption Redemption Redemption Redemption
The earned 1 Reward is automatically The Reward Reward Points 1 Reward point = Redeem the Reward Poin
NeuCoins can be Point = Rs credited to the Points are earned Re. 0.25 for earned points for redeemable
redeemed via the 0.20 for cardholders' accounts. redeemable transferred to redemption. various cashback, 1
Tata Neu redemption against an array Amazon Pay These reward categories like Rs. 0.10
application or against the of categories, and balance at the points can be Movie Tickets,
website on statement cash back at a end of the redeemed at the Mobile Recharge,
specified Tata balance. 1 rate of 1 Reward payment cycle. 1 Poshvine reward etc. Rewards
brands. Reward Point Point = Re. 0.25. Reward Point = portal or at Points can used
= Rs. 0.25 for Re. 1 exclusive to pay your
redemption merchant stores. shopping bills
through through
Smartbuy PayByPoints
Rewards Program
portal

Travel Travel Travel Travel Travel Travel Travel Travel

Complimentary N/A Complimentary lounge You get N/A Airport “Meet and NA N/A
access to access per year at complimentary Greet” at more
domestic airport domestic airports, access to the than 450
lounges. accelerated (4%) airport and destinations
cashback on Ola rides railway lounges worldwide. Airport
with Axis Bank Ace every quarter. transfers and
Card. concierge service
for a personalized
travel experience.
Access to
premium services
and benefits at
more than 900
luxury hotels
worldwide.
Complimentary 4
railway lounge
access per
quarter.

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HDFC
Tata Neu Plus MoneyBack ICICI Bank Amazon Pay IDFC FIRST Kotak Urbane OneCar
Axis Bank ACE
HDFC Bank Credit Coral Credit ICICI Bank Select Credit Gold Credit Credit C
Credit Card
Credit Card Card Card Credit Card Card Card
Ap
Apply Now
Apply Apply Apply Apply Apply Now
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Golf Golf Golf Golf Golf Golf Golf Golf

NA N/A NA N/A N/A NA NA N/A

Domestic Lounge Domestic Domestic Lounge Domestic Lounge Domestic Lounge Domestic Lounge Domestic Lounge Domestic Lo
4 complimentary Lounge 4 complimentary airport 1 Domestic N/A 4 Complimentary NA N/A
visits to the N/A lounge visits to Lounge Access Domestic Airport
domestic airport domestic airport Every Quarter (4 Lounge Access
lounges, limited to lounges per year Each Year) Every Quarter (16
1 visit per quarter. Each Year)

International International International Lounge International International International International Internationa

Lounge Lounge NA Lounge Lounge Lounge Lounge Lounge
NA N/A N/A N/A NA NA N/A

Insurance Insurance Insurance Benefits Insurance Insurance Insurance Insurance Insurance

Benefits Benefits NA Benefits Benefits Benefits Benefits Benefits
NA N/A N/A N/A You get an air Insurance cover N/A
accident cover for a lost or stolen
worth Rs. 1 Crore, card
personal accident
cover worth upto
Rs 5,00,000 and a
travel insurance
cover worth up to
Rs 22,500.

Zero Liability Zero Liability Zero Liability Zero Liability Zero Liability Zero Liability Zero Liability Zero Liability
Protection Protection Protection Protection Protection Protection Protection Protection
Cardholders will Zero Liability Cardmembers won't be The bank provides Cardholders won't You get a zero Zero Liability Cardholder n
not be held liable Protection liable for any protection to its be liable for any liability protection Protection for a liable for any
for any fraudulent cover is unauthorized/fraudulent customer in case unauthorized cover worth Rs lost or stolen fraudulent
transaction that provided by transactions if the loss of loss or theft of transaction made 50,000 against credit card upon transaction o
takes place the HDFC of the card is reported credit card if with the card post any fraudulent reporting to the card post
through their bank against within 3 days. reported within a reporting the loss transactions bank's customer reporting the
credit card in the fraudulent stipulated time of card to the reported within care. of card to th
event of loss or transactions provided by the bank the stipulated bank
theft of the card if on your credit bank. time.
the same is card if the
reported to the loss is
bank within 7 reported
days from the immediately
date of loss or within a
theft. stipulated
time to the
24-hour HDFC
Customer
helpline

Fees & Charges 

Renewal Fee Renewal Fee Renewal Fee Renewal Fee Renewal Fee Renewal Fee Renewal Fee Renewal Fee
Rs. 499 + GST Rs. 500 + GST Rs. 499 + GST Rs. 500 + GST Nil Nil Rs. 199 + GST Nil

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       

HDFC
Tata Neu Plus MoneyBack ICICI Bank Amazon Pay IDFC FIRST Kotak Urbane OneCar
Axis Bank ACE
HDFC Bank Credit Coral Credit ICICI Bank Select Credit Gold Credit Credit C
Credit Card
Credit Card Card Card Credit Card Card Card
Ap
Apply Now
Apply Apply Apply Apply Apply Now
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Spend Based Spend Based Spend Based Waiver Spend Based Spend Based Spend Based Spend Based Spend Based
Waiver Waiver Joining fee is waived on Waiver Waiver Waiver Waiver Waiver
The renewal fee The renewal spends of Rs. 10,000 You get a spend- N/A NA Get the annual fee N/A
of Rs. 499 is fee is waived within 45 days of card based waiver in waived on
eligible for a off on issuance, and annual case the annual spending Rs.
waiver if the spending Rs. fee (2nd year onwards) spend is more 15,000 in the
cardholder 50,000 or is waived on total than 1,50,000 in previous year.
spends an above in the annual spends of Rs. the previous year.
amount previous year. 2,00,000.
increasing Rs. 1
Lakh in the
previous year.

Rewards Rewards Rewards Redemption Rewards Rewards Rewards Rewards Rewards

Redemption Fee Redemption Fee Redemption Fee Redemption Fee Redemption Fee Redemption Fee Redemption
Rs. 99 per Fee Nil Rs. 99 per Nil Rs. 99 plus taxes Nil Nil
redemption Rs. 99 per redemption
request redemption request
request (plus
applicable
taxes)

Foreign Currency Foreign Foreign Currency Foreign Currency Foreign Currency Foreign Currency Foreign Currency Foreign Curr
Markup Currency Markup Markup Markup Markup Markup Markup
3.5% on the cross Markup 3.5% of the transaction 3.5% of the 3.5% of the 1.99% of the total 3.5% on all foreign 1% of the
currency 3.5% per amount transaction transaction conversion transactions transaction
transactions currency amount amount amount amount
conversion
(plus
applicable
taxes)

Interest Rates Interest Rates Interest Rates Interest Rates Interest Rates Interest Rates Interest Rates Interest Rate
3.75% per month 3.6% per 3.6% per month or 3.4% per month 3.5% – 3.8% per Ranges between 3.5% per month 2.5% to 3.5%
(45% annually) month (43.2% 52.86% annualized (40.80% per month or 42% – 0.75% to 3.5% per (or 42% annually) month (or 30
per annum) annum) 45.6% per annum month based 42% annually
upon the credit
history of the
individual

Fuel Surcharge Fuel Fuel Surcharge Fuel Surcharge Fuel Surcharge Fuel Surcharge Fuel Surcharge Fuel Surchar
1% of the fuel Surcharge 1% fuel surcharge is You get a fuel 1% fuel surcharge 1% surcharge NA 1% fuel surc
surcharge will be 1% fuel waived for purchases surcharge waiver is waived at all waived on all fuel waived off o
waived off on fuel surcharge worth between Rs. 400 of 1% across all petrol stations purchases at all purchases
transactions. waiver on all and Rs. 4,000 HPCL petrol across India. petrol pumps
your fuel (maximum waiver of Rs. stations in India. across India
transactions 500/month). This offer valid for subject to a
using this transaction up to maximum amount
credit card at Rs 4,000/- of Rs. 300.
all petrol
pumps across
India

 8 Cards added Compare Cards

       

HDFC
Tata Neu Plus MoneyBack ICICI Bank Amazon Pay IDFC FIRST Kotak Urbane OneCar
Axis Bank ACE
HDFC Bank Credit Coral Credit ICICI Bank Select Credit Gold Credit Credit C
Credit Card
Credit Card Card Card Credit Card Card Card
Ap
Apply Now
Apply Apply Apply Apply Apply Now

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    

Cash Advance Cash Cash Advance Charges Cash Advance Cash Advance Cash Advance Cash Advance Cash Advanc
Charges Advance 2.5% of the withdrawn Charges Charges Charges Charges Charges
Higher of 2.5% of Charges amount, subject to a 2.5% of the 2.5% of the Rs. 199 per Rs. 300 per Rs. 2.5% of the
the amount 2.5% of the minimum amount of Rs. transaction withdrawn transaction 10,000 withdrawn transaction
withdrawn or Rs. withdrawal 500. amount or subject amount, subject amount, sub
500. amount to a minimum fee to a minimum to a minimum
subject to a of Rs.300 fees of Rs. 300. amount of R
minimum
charge of Rs
500

Add-on Card Fee Add-on Card Add-on Card Fee Add-on Card Fee Add-on Card Fee Add-on Card Fee Add-on Card Fee Add-on Card
Nil Fee Nil Nil Nil Nil Nil N/A
Nil

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