Which card has a lower forex fee: Tata Neu Infinity HDFC Bank Credit Card or MakeMyTrip ICICI Bank Credit Card?

MakeMyTrip ICICI Bank Credit Card has lower forex markup (0.99% vs 2%).

Which card has a lower annual fee: Tata Neu Infinity HDFC Bank Credit Card or MakeMyTrip ICICI Bank Credit Card?

MakeMyTrip ICICI Bank Credit Card has a lower annual fee (₹999 annual fee vs ₹1,499 annual fee).

Which card offers better lounge access?

Tata Neu Infinity HDFC Bank Credit Card: 2 per quarter domestic lounge. MakeMyTrip ICICI Bank Credit Card: 2 per quarter domestic + 1 per year international.

Which card has a higher base reward rate?

Tata Neu Infinity HDFC Bank Credit Card has higher conservative base reward value (~1.5% vs ~1%).

Pairwise comparison Compare 3+ cards →

HDFC Bank Tata Neu Infinity RuPay vs ICICI Bank MakeMyTrip Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the HDFC Bank Tata Neu Infinity RuPay and the ICICI Bank MakeMyTrip. Verify fees, lounge access, forex markup, and base rewards before you apply.

Tata Neu Infinity RuPay

MakeMyTrip

The short answer

Verdict

Pick Tata Neu Infinity RuPay for rewards and upi.

Pick MakeMyTrip for travel and spending abroad.

Head-to-head

Three core metrics

Annual fee

Tata Neu Infinity RuPay ₹1,499 Waivable at ₹3,00,000 or more spend

MakeMyTrip ₹999 Waivable at ₹3,00,000 spend

MakeMyTrip saves ₹500/yr
Forex markup

Tata Neu Infinity RuPay 2%

MakeMyTrip 0.99%

MakeMyTrip saves ~₹1,010 per ₹1L abroad
Domestic lounge

Tata Neu Infinity RuPay 8/year (2 per quarter) Conditional · Domestic: 2/quarter · requires ₹50,000 spend in the calendar quarter

MakeMyTrip 8/year (2 per quarter)

Reward earning explained

Per card

Tata Neu Infinity RuPay

1.5 NeuCoins / ₹100 · 5 NeuCoins/₹100 on eligible bigBasket, croma, cult.fit, and tata CLiQ

Strong data

MakeMyTrip

1 myCash / ₹100

Strong data

Pick based on what matters

5 dimensions

Start with the constraint you care about most: annual fee (HDFC Bank Tata Neu Infinity RuPay: ₹1,499 vs ICICI Bank MakeMyTrip: ₹999), forex markup (2% vs 0.99%), or lounge access (8/year (2 per quarter) vs 8/year (2 per quarter)).

Travel ICICI Bank MakeMyTrip wins

ICICI Bank MakeMyTrip is better for travel

ICICI Bank MakeMyTrip is stronger here. Forex markup is 0.99%.
Forex markup ICICI Bank MakeMyTrip wins

ICICI Bank MakeMyTrip is better for forex

ICICI Bank MakeMyTrip is stronger here. Forex markup is 0.99%.
Lounge access Tie

Both cards are similar for lounge access

Domestic lounge access is 2 per quarter.
Rewards HDFC Bank Tata Neu Infinity RuPay wins

HDFC Bank Tata Neu Infinity RuPay is better for rewards

HDFC Bank Tata Neu Infinity RuPay is stronger here. HDFC Bank Tata Neu Infinity RuPay conservative base value ~1.5% vs ICICI Bank MakeMyTrip's ~1%.
upi HDFC Bank Tata Neu Infinity RuPay wins

HDFC Bank Tata Neu Infinity RuPay is better for UPI usage

HDFC Bank Tata Neu Infinity RuPay is stronger here. Supports UPI via RuPay network.

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

Tata Neu Infinity HDFC Bank: ~₹750/month at base rate
MakeMyTrip ICICI Bank: ~₹500/month at base rate

Illustrative only, using current base rates before caps.

Field	Tata Neu Infinity RuPay HDFC Bank	MakeMyTrip ICICI Bank
Insurance — Air accident cover	₹1 crore	₹1 crore
Insurance — Emergency medical cover Only available for Tata Neu Infinity HDFC Bank	₹15 lakh	Not specified
Insurance — Personal accident cover Only available for MakeMyTrip ICICI Bank	Not specified	₹1 crore
Insurance — Lost card liability cover Only available for Tata Neu Infinity HDFC Bank	₹9 lakh	Not specified
Insurance — Underwriter Only available for Tata Neu Infinity HDFC Bank	Insured by HDFC ERGO General Insurance Company Limited	Not specified
Lounge Access
Domestic lounge visits spend-gated on some cards — see caveats	8/year (2 per quarter)	8/year (2 per quarter)
International lounge visits Not included vs 1 per year	No international lounge access	1 per year
Forex / International Use
Forex markup Source agreement differs — verify both. 2% vs 0.99%	2%	0.99%
Fees
Recurring annual fee ₹1,499 vs ₹999	₹1,499	₹999
First-year cost Only available for Tata Neu Infinity HDFC Bank	₹1,499	Not specified
Annual-fee waiver ₹3,00,000 or more vs ₹3,00,000	₹3,00,000 or more	₹3,00,000
Interest-free period Up to 50 days vs Up to 48 days	Up to 50 days	Up to 48 days
Monthly interest rate	3.75% / month	3.75% / month
Late-payment charge Only available for Tata Neu Infinity HDFC Bank	₹100–₹1,300 depending on outstanding balance	Not specified
Fuel benefit Only available for Tata Neu Infinity HDFC Bank	1% surcharge waiver · ₹400–₹5,000 transactions · ₹500/month waiver cap	Not specified
Rewards
Points per ₹100 Some reward lanes are unsupported — base rate only for comparison. 1.5 NeuCoins / ₹100 vs 1 myCash / ₹100	1.5 NeuCoins / ₹100	1 myCash / ₹100
Conservative base value ~1.5% vs ~1%	~1.5%	~1%
Earn ceiling 2,000 NeuCoins per month; at 1.5 NeuCoins / ₹100, this lane reaches the cap at ~₹1.3 lakh of eligible spend vs Not stated	2,000 NeuCoins per month; at 1.5 NeuCoins / ₹100, this lane reaches the cap at ~₹1.3 lakh of eligible spend	Not stated
Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid.	₹1	₹1
Point validity Only available for Tata Neu Infinity HDFC Bank	1 year	Not specified

Notes

Tata Neu Infinity HDFC Bank Credit Card: Condition: ₹50,000 spend in the calendar quarter
Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.

HDFC Bank Tata Neu Infinity RuPay

Verify with issuer

ICICI Bank MakeMyTrip

Verify with issuer