We use analytics cookies to understand how visitors interact with our site. By continuing you agree to our use of cookies as described in our Privacy Policy.
3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · AU Small Finance Bank
5X on top merchants; 2X on others — Best for rewards · premium.
Annual fee
₹3,000
Visa · HDFC Bank
Lifetime free. 10X Reward Points / CashPoints on Big Basket, BookMyShow, OYO, Swiggy, Uber; … — Best for .
Annual fee
₹0
Visa · SBI Card
Lowest forex markup of 1.99% + 5% NeuCoins on Tata
Annual fee
₹4,999
AU Small Finance Bank
Annual Fee
₹3,000
Reward Rate
5X on top merchants; 2X on others
Welcome Benefit
—
HDFC Bank
Annual Fee
₹0
Reward Rate
10X Reward Points / CashPoints on Big Basket, BookMyShow, OYO, Swiggy, Uber; 2 Reward Points per ₹200 on other spends
Welcome Benefit
—
SBI Card
Annual Fee
₹4,999
Reward Rate
5% Value Back as NeuCoins on Tata Neu spends; up to 5% extra as NeuCoins via NeuPass; 1.5% NeuCoins on other spends
Welcome Benefit
Welcome NeuCoins worth up to ₹4,999 credited within 15 days of joining fee realization
Side by side
Every fee, reward and benefit in one place — the winning card in each row is marked with a check.
CategoryFeature | AU Zenith Credit CardVisa · AU Small Finance Bank | HDFC Bank Freedom Credit CardVisa · HDFC Bank | Tata Neu Infinity SBI CardVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | AU Small Finance Bank | HDFC Bank | SBI Card |
Card | |||
Annual fee | ₹3,000 | ₹0Best | ₹4,999 |
Joining fee | ₹3,000 | ₹1,000Best | ₹4,999 |
Reward rate | 5X on top merchants; 2X on others | 10X Reward Points / CashPoints on Big Basket, BookMyShow, OYO, Swiggy, Uber; 2 Reward Points per ₹200 on other spendsBest | 5% Value Back as NeuCoins on Tata Neu spends; up to 5% extra as NeuCoins via NeuPass; 1.5% NeuCoins on other spends |
Welcome benefit | — | — | Welcome NeuCoins worth up to ₹4,999 credited within 15 days of joining fee realization |
Lifetime free | No | No | No |
Network | Visa | Visa | Visa |
Best for | rewards, premium | — | online-shopping, premium, travel |
Apply |
AU Small Finance Bank
5X on top merchants; 2X on others — Best for rewards · premium.
HDFC Bank
Lifetime free. 10X Reward Points / CashPoints on Big Basket, BookMyShow, OYO, Swiggy, Uber; … — Best for .
SBI Card
Lowest forex markup of 1.99% + 5% NeuCoins on Tata
Related Guides
In-depth guides on rewards, lounge access, forex and more.
Related Comparisons
Compare any two cards side-by-side across 140+ issuers.
