Tata Neu Infinity HDFC vs ICICI MMT Signature
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Tata Neu Infinity HDFC wins 6-2. Tata ecosystem users — Croma, BigBasket, AirAsia, Westside, Taj ICICI MMT Signature is still the right call if makemytrip loyalists — co-branded with strong travel benefits..
Side-by-side
| Criterion | Tata Neu Infinity HDFC | ICICI MMT Signature |
|---|---|---|
| Annual fee | ₹1,499 | · ₹2,500 |
| Joining fee | ₹1,499 | · ₹2,500 |
| Top reward rate | · 5% (shopping) | 6% (travel) |
| Base reward rate | = 1.5% | = 1.5% |
| Forex markup | · 3.5% | 2.5% |
| Welcome bonus | = 1,499 NeuCoins on first spend (offsets joining fee) | = ₹2,500 MMT Black holidays voucher |
| Fee waiver threshold | ₹300,000 / yr | · ₹600,000 / yr |
| Min income | ₹600,000 | · ₹800,000 |
| Min credit score | 750 | · 770 |
| Editorial rating | 4.5/5 | · 4.4/5 |
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 MMT Signature
- 6% myCash on flight + hotel bookings via MMT
- 3% myCash on dining + grocery
- 1.5% on others
- 4 international + 4 domestic lounge visits/year
- MMT Black membership
FAQ
›Tata Neu Infinity HDFC vs ICICI MMT Signature: which is better?
Tata Neu Infinity HDFC wins on more dimensions (6 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 MMT Signature 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 MMT Signature: ₹2,500 MMT Black holidays voucher.