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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · AU Small Finance Bank
Lifetime free. 5X on top merchants; 2X on others — Best for lifetime-free · rewards.
Annual fee
Lifetime free
Mastercard · ICICI Bank
2 reward points per ₹100 — Best for rewards · lifestyle.
Annual fee
₹3,000
Visa · SBI Card
5% Value Back as NeuCoins on non-EMI spends at the Tata Neu App / Website and… — Best for .
Annual fee
₹1,499
AU Small Finance Bank
Annual Fee
Lifetime Free
Reward Rate
5X on top merchants; 2X on others
Welcome Benefit
—
ICICI Bank
Annual Fee
₹3,000
Reward Rate
2 reward points per ₹100
Welcome Benefit
—
SBI Card
Annual Fee
₹1,499
Reward Rate
5% Value Back as NeuCoins on non-EMI spends at the Tata Neu App / Website and partner Tata brands; up to 5% extra Value Back as NeuCoins on select category spends (NeuPass); 1.5% Value Back as NeuCoins on other spends, including UPI transactions (on the RuPay variant); NeuCoins auto-credited to cardholder's NeuPass account within 7 working days of monthly statement cycle
Welcome Benefit
—
Side by side
Every fee, reward and benefit in one place — the winning card in each row is marked with a check.
CategoryFeature | AU LifeTime Free Credit CardVisa · AU Small Finance Bank | ICICI Bank Gemstone Credit CardMastercard · ICICI Bank | Tata Neu Infinity SBI CardVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | AU Small Finance Bank | ICICI Bank | SBI Card |
Card | |||
Annual fee | Lifetime FreeBest | ₹3,000 | ₹1,499 |
Joining fee | ₹0Best | ₹3,000 | ₹1,499 |
Reward rate | 5X on top merchants; 2X on others | 2 reward points per ₹100Best | 5% Value Back as NeuCoins on non-EMI spends at the Tata Neu App / Website and partner Tata brands; up to 5% extra Value Back as NeuCoins on select category spends (NeuPass); 1.5% Value Back as NeuCoins on other spends, including UPI transactions (on the RuPay variant); NeuCoins auto-credited to cardholder's NeuPass account within 7 working days of monthly statement cycle |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | Visa | Mastercard | Visa |
Best for | lifetime-free, rewards | rewards, lifestyle | — |
Apply |
AU Small Finance Bank
Lifetime free. 5X on top merchants; 2X on others — Best for lifetime-free · rewards.
ICICI Bank
2 reward points per ₹100 — Best for rewards · lifestyle.
SBI Card
5% Value Back as NeuCoins on non-EMI spends at the Tata Neu App / Website and… — Best for .
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