Tata Neu Infinity HDFC vs ICICI HPCL Coral
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
ICICI HPCL Coral wins 5-2. Fuel-heavy spenders at HPCL pumps. Tata Neu Infinity HDFC is still the right call if tata ecosystem users — croma, bigbasket, airasia, westside, taj.
Side-by-side
| Criterion | Tata Neu Infinity HDFC | ICICI HPCL Coral |
|---|---|---|
| Annual fee | · ₹1,499 | ₹199 |
| Joining fee | · ₹1,499 | ₹199 |
| Top reward rate | = 5% (shopping) | = 5% (fuel) |
| Base reward rate | 1.5% | · 1% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = 1,499 NeuCoins on first spend (offsets joining fee) | = 2,000 PAYBACK points on first transaction |
| Fee waiver threshold | · ₹300,000 / yr | ₹50,000 / yr |
| Min income | · ₹600,000 | ₹250,000 |
| Min credit score | · 750 | 720 |
| Editorial rating | 4.5/5 | · 4/5 |
Benefits compared
Tata Neu Infinity HDFC
- 5% NeuCoins on Tata Neu app & partner brands (Croma, BigBasket, Westside, AirAsia)
- 1.5% NeuCoins on UPI and other transactions
- 8 complimentary domestic + 4 international lounge visits / year
- 1 NeuCoin = ₹1, redeemable at any Tata brand
- 1% fuel surcharge waiver (₹500/month cap)
ICICI HPCL Coral
- 5% cashback on HPCL fuel
- 4% on grocery + dining
- 2.5% on utility bills via DragonPass
- 1% fuel surcharge waiver
- 2 domestic lounge visits/year
FAQ
›Tata Neu Infinity HDFC vs ICICI HPCL Coral: which is better?
ICICI HPCL Coral wins on more dimensions (5 vs 2). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Tata Neu Infinity HDFC for its best categories, ICICI HPCL Coral for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Tata Neu Infinity HDFC: 1,499 NeuCoins on first spend (offsets joining fee). ICICI HPCL Coral: 2,000 PAYBACK points on first transaction.