HDFC Tata Neu Plus vs ICICI Coral
Side-by-side credit card comparison to help you choose the best one.
HDFC Tata Neu Plus
Why this card wins: Tata Ecosystem — 5% NeuCoins on Tata brands, 1.5% on others
| Feature | ||
|---|---|---|
| Bank | HDFC Bank | ICICI Bank |
| Card Type | Cashback | Entry Level |
| Annual Fee | ₹499 + GST | ₹500 + GST |
| Joining Fee | ₹499 + GST | ₹500 + GST |
| Rewards | 5% NeuCoins on Tata brands, 1.5% on others | 2 points per ₹100 on all spends |
| Best For | Tata Ecosystem | First Time Users |
| Interest Rate | 3.49% per month (41.88% p.a.) | 3.40% per month (40.80% p.a.) |
| Credit Limit | ₹50,000 - ₹5,00,000 | ₹25,000 - ₹2,00,000 |
| Welcome Benefit | 500 NeuCoins on first txn | None |
| Min Income | ₹15,000/month | ₹20,000/month |
| Lounge Access | None | 4 domestic per year (1/quarter) |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹400-₹5,000 txns |
| Foreign Txn Fee | 3.5% + GST | 3.5% + GST |
| Add-On Card Fee | Free | Free |
| Rating | 4.5 | 4.1 |
| Contactless | ||
| EMI Conversion |
Key Features
HDFC Tata Neu Plus
Tata Ecosystem
RuPay • Cashback
- 5% NeuCoins on Tata Neu, BigBasket, 1mg
- 1.5% NeuCoins on all other spends
- Fee waiver on ₹50,000 annual spend
- Complimentary Zomato Gold for 3 months
ICICI Coral
First Time Users
Visa • Entry Level
- 15% savings on dining bills
- 1 complimentary domestic lounge visit per quarter
- Complimentary railway lounge access
- Milestone reward points system
Verdict
Based on rating and overall value, HDFC Tata Neu Plus ranks highest among your selected cards. It excels at Tata Ecosystem and offers 5% NeuCoins on Tata brands, 1.5% on others.
Frequently asked questions
Which is better: HDFC Tata Neu Plus or ICICI Coral?
HDFC Tata Neu Plus has the higher CardKhoj rating (4.5/5) and is best for tata ecosystem. ICICI Coral is the better fit if your priority is first time users. The right choice depends on where you spend most.
Which has the lower annual fee: HDFC Tata Neu Plus and ICICI Coral?
HDFC Tata Neu Plus is cheaper to hold at ₹499 + GST, compared with ₹500 + GST for ICICI Coral.
Do HDFC Tata Neu Plus and ICICI Coral offer airport lounge access?
HDFC Tata Neu Plus: no complimentary lounge access. ICICI Coral: 4 domestic per year (1/quarter).
Which card is better for international spending?
All of them charge the same forex markup of 3.5% + GST, so choose based on other benefits.
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