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Side-by-Side Comparison|Updated April 2026

Tata Neu Plus SBI Card vs Amazon Pay ICICI Bank Credit Card

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

SBI Card

Tata Neu Plus SBI Card

8/10
Annual Fee₹499
Base Rewards1%
NetworkRuPay
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ICICI Bank

Amazon Pay ICICI Bank Credit Card

9.5/10
Annual FeeFree
Base Rewards1%
NetworkVisa
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Feature-by-Feature Comparison

FeatureTata Neu Plus SBI CardAmazon Pay ICICI Bank Credit Card
Annual Fee₹499Free
Joining Fee₹499Free
Fee Waiver Spend₹1,00,000N/A
Base Reward Rate1%1%
Reward CurrencyNeuCoinsAmazon Pay Balance
NetworkRuPayVisa
Editor Rating8/109.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

Tata Neu Plus SBI Card

  • 0% on Tata Brands
  • 0% on Tata Neu App (NeuPass)

Amazon Pay ICICI Bank Credit Card

No accelerated rewards listed

Pros & Cons

Tata Neu Plus SBI Card

Pros

  • 2% back as NeuCoins on Tata Neu App and partner Tata brands (Croma, BigBasket, 1mg, etc.)
  • 1% back as NeuCoins on all other non-Tata spends and UPI transactions
  • Additional 5% back via NeuPass membership on Tata Neu App purchases
  • Low annual fee of ₹499, easily waivable on ₹1 Lakh annual spend

Cons

  • Rewards are restricted to the Tata ecosystem for redemption
  • No international lounge access compared to the Infinity variant
  • Exclusions on fuel, rent, and wallet reloads for reward earning

Amazon Pay ICICI Bank Credit Card

Pros

  • Unlimited 5% cashback on Amazon.in for Prime members with no upper cap.
  • Lifetime free card with zero joining and annual fees forever.
  • Rewards are automatically credited as Amazon Pay balance every month.
  • Competitive 1.99% forex markup fee for international transactions.

Cons

  • Cashback is restricted to Amazon Pay balance and cannot be withdrawn as cash.
  • Lounge access is now spend-based (₹75,000 per quarter) rather than flat complimentary.
  • No rewards on fuel, rent, gold, or EMI transactions.

Our Verdict

Amazon Pay ICICI Bank Credit Card edges ahead overall with a stronger combination of rewards and value. However, Tata Neu Plus SBI Card could be the better pick if its specific category strengths match your spending habits.

Choose Tata Neu Plus SBI Card if

Frequent shoppers at BigBasket, Croma, and Tata 1mg can maximize value back.

Choose Amazon Pay ICICI Bank Credit Card if

Maximum value for Prime members shopping frequently on Amazon India.

Frequently Asked Questions

Which is better: Tata Neu Plus SBI Card or Amazon Pay ICICI Bank Credit Card?
Amazon Pay ICICI Bank Credit Card edges ahead overall with a stronger combination of rewards and value. However, Tata Neu Plus SBI Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Tata Neu Plus SBI Card and Amazon Pay ICICI Bank Credit Card?
Tata Neu Plus SBI Card has an annual fee of ₹499, while Amazon Pay ICICI Bank Credit Card has no annual fee. Tata Neu Plus SBI Card offers a fee waiver on ₹1,00,000 annual spend.
Which card has better rewards: Tata Neu Plus SBI Card or Amazon Pay ICICI Bank Credit Card?
Tata Neu Plus SBI Card offers a base reward rate of 1% with accelerated rewards on Tata Brands and Tata Neu App (NeuPass). Amazon Pay ICICI Bank Credit Card offers 1% base rewards. The better choice depends on your primary spending categories.
Can I have both Tata Neu Plus SBI Card and Amazon Pay ICICI Bank Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Tata Neu Plus SBI Card and Amazon Pay ICICI Bank Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Tata Neu Plus SBI Card or Amazon Pay ICICI Bank Credit Card?
For beginners, Amazon Pay ICICI Bank Credit Card may be more approachable with no annual fee. However, evaluate based on your expected spending pattern rather than fee alone.

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