Today, credit cards have become essential to our financial lives, offering exclusive benefits and rewards for every transaction. With so many options available, choosing the right one can be overwhelming. That’s why we’ve compiled a detailed comparison of two popular credit cards, the Tata Neu Plus HDFC Bank Credit Card and the Adani One ICICI Platinum Credit Card. Whether you’re a shopper with a love for Tata brands or a frequent traveler looking for rewards on your adventures, this comparison aims to help you understand the features and benefits of these cards to make an informed decision.

The first card is the Tata Neu Plus HDFC Bank Credit Card, a collaboration between the Tata Group and HDFC Bank. This card is a great choice for people who love shopping, especially if they are into Tata brands. When shopping at Tata Brands, like Tata 1MG, Croma, Air India, Titan, Tanishq, IHCL, etc., 2% of the transaction amount will be returned as NeuCoins. With low joining fees, this card offers rewards every time you shop. This card even offers welcome benefits, travel perks, a spend-based waiver, and a fuel surcharge waiver, making it a great choice for a credit card with exclusive benefits.

Tata Neu Plus Vs Adani One ICICI Platinum Credit Card

The second card is the recently launched Adani One ICICI Platinum Credit Card, which is specially designed for travelers. This card offers 3% Adani Reward Points on spending across the Adani Group consumer ecosystem, including the Adani One, which allows users to book flights, hotels, trains, buses, and cabs. With a joining fee of ₹750 which can be waived on spending ₹3 lakhs or more in the previous year, this card is extremely beneficial for frequent travelers to enhance their traveling experience.

Tata Neu Plus HDFC Bank Credit Card

The Tata Neu Plus HDFC Bank Credit Card is a co-branded card between Tata Group and HDFC Bank and is best suited for shopping. This card provides a wide range of conveniences and rewards, aiming to make every transaction more profitable. It reflects lifestyles that value efficiency, rewards, and the joy of shopping, without being limited to specific details. This card is not just about transactions; it’s about enriching experiences and ensuring that every purchase brings benefits.

Fees

  • The Tata Neu Plus HDFC Bank Credit Card has an annual fee of ₹499 with taxes.
  • The annual fee can be waived on spending ₹1 lakh or more in the previous year.

Reward Rate

  • 2% back as NeuCoins on Non-EMI Spends on Tata Neu and partner Tata Brands.
  • 1% back as NeuCoins on Non-Tata Brand Spends and any merchant EMI spends.
  • 1% back as NeuCoins on UPI spends capped at 500 NeuCoins per calendar month.

Introductory Benefits

Cardholders will receive 499 NeuCoins on performing the first transaction within 30 days of issuance.

Travel Perks

Four complimentary domestic lounge access per calendar year (1 every quarter).

Adani One ICICI Bank Platinum Credit Card

In partnership, Adani One and ICICI Bank have launched a platinum credit card for its users. The Adani One ICICI Bank Platinum Credit Card is best suited for frequent travelers who like traveling. It’s designed to make your journeys more rewarding by offering benefits to various aspects of traveling, from booking your trip to enjoying services at airports. This card aims to enhance your travel experience while providing rewards that can be used across various services. It’s a great companion for frequent flyers and travelers who want to get the most out of every trip.

Fees

  • This annual fee of the Adani One ICICI Bank Platinum Credit Card is ₹750 with taxes.
  • The spend-based waiver on annual spending is ₹3 lakh or more in the previous year.

Reward Rate

  • With the Adani One ICICI Platinum Credit Card, earn 3% reward points on the Adani One Ecosystem.
  • Earn 1.5% as Adani reward points on international transactions.
  • Earn 1% as Adani reward points on domestic spending, excluding rent and fuel payments.
  • Cardholders will earn 0.5% as Adani rewards utility and insurance spending points.
  • All the reward points earned shall be added to the cardholder’s Adani Rewards Membership account within 45 days of the transaction.

Introductory Benefits

  • As a welcome gift, cardholders will receive a flight voucher worth ₹2,000 on spending ₹10,000 within the first 60 days of card activation.
  • A hotel voucher worth ₹1,000 and a holiday voucher worth ₹2,000 will also be offered to users on card activation.

Entertainment Offer

Book movie tickets with BookMyShow and get a discount of 25% off up to ₹100 twice every month.

Travel Perks

  • Complimentary two domestic airport lounge access every quarter on card activation.
  • Premium lounge upgrades will be provided to users at Adani-managed airports twice every quarter.
  • Premium car parking service is offered to cardholders at Adani-managed airports twice a year.
  • Cardholders are eligible for two valet parking and car washing two times a year on card activation.
  • Porter service is also provided four times a year, with two services provided for every ₹1 lakh spent and two for every ₹2 lakhs spent.

Quick Comparison Between Tata Neu Plus and Adani One Credit Card

Features Tata Neu Plus HDFC Bank Credit Card Adani One ICICI Bank Platinum Credit Card
Joining/ Annual Fee ₹499 + GST ₹750 + GST
Reward Rate
  • 2% cashback as NeuCoins while shopping on Tata brands
  • 1% cashback as NeuCoins while shopping on Non-Tata brands
  • 5% Cashback as NeuCoins on the Tata Neu app or website
  • 3% reward points on the Adani One ecosystem
  • 1% as Adani reward points on all other domestic spending categories
  •  1.5% as Adani reward points on the international spending category
  • 0.5% as Adani reward points on utility and insurance spend
Reward Redemption NeuCoins earned can be redeemed via the Tata Neu app or website for specific Tata brands Visit the Adani Rewards website to redeem points
Welcome Benefits 499 NeuCoins
  • Hotel voucher worth ₹1,000
  • Holiday voucher worth ₹2,000
  • ₹2,000 flight voucher on spends of ₹10,000
Movie/Dining N/A 25% off up to ₹100 on movie ticket bookings
Travel Benefits Complimentary four visits to the domestic airport lounges annually Two complimentary domestic lounge accesses per quarter

Bottom Line

The Tata Neu Plus and the Adani One ICICI Platinum Credit Cards offer unique benefits tailored to different preferences and lifestyles. The Tata Neu Plus Card benefits those who frequently shop at Tata brands, offering up to 2% back in NeuCoins, making it a great choice for shopping enthusiasts. Its lower annual fee can be waived; it offers various rewards, including travel perks.

On the other hand, the Adani One ICICI Platinum Credit Card is ideal for travel lovers. It offers up to 3% rewards points across the Adani ecosystem, travel vouchers, and lounge access, making every journey more rewarding. Its annual fee is a bit higher, but it can also be waived with significant spending. For those looking for an even more premium card offering similar benefits, the Adani One Signature Credit Card is also worth looking at.

So, if your main interest lies in shopping, especially within the Tata ecosystem, the Tata Neu Plus card offers more value. However, if you’re a frequent traveler and use Adani services often, the Adani One ICICI card might be the better choice with its travel-centric rewards and benefits.

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