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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Mastercard · Axis Bank
Lifetime free. 2% on bill pays; 1% on others — Best for lifetime-free · cashback · bill-payments.
Annual fee
Lifetime free
Visa · Axis Bank
15 EDGE Reward Points per Rs 200 (effective 6% back via 5:4 redemption) — Best for .
Annual fee
₹50,000
Visa · SBI Card
2% NeuCoins + annual fee reversal on ₹1L spend
Annual fee
₹1,499
Axis Bank
Annual Fee
Lifetime Free
Reward Rate
2% on bill pays; 1% on others
Welcome Benefit
—
Axis Bank
Annual Fee
₹50,000
Reward Rate
15 EDGE Reward Points per Rs 200 (effective 6% back via 5:4 redemption)
Welcome Benefit
—
SBI Card
Annual Fee
₹1,499
Reward Rate
5% NeuCoins on Tata Neu App / Tata partner spends; 1.5% NeuCoins on other spends
Welcome Benefit
Welcome NeuCoins worth up to ₹1,500 on first 30 days of card activation
Side by side
Every fee, reward and benefit in one place — the winning card in each row is marked with a check.
CategoryFeature | Axis Ace Credit CardMastercard · Axis Bank | Axis Bank Burgundy Private Credit Card (The One Card)Visa · Axis Bank | Tata Neu Plus SBI CardVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | Axis Bank | Axis Bank | SBI Card |
Card | |||
Annual fee | Lifetime FreeBest | ₹50,000 | ₹1,499 |
Joining fee | ₹0Best | ₹50,000 | ₹1,499 |
Reward rate | 2% on bill pays; 1% on others | 15 EDGE Reward Points per Rs 200 (effective 6% back via 5:4 redemption)Best | 5% NeuCoins on Tata Neu App / Tata partner spends; 1.5% NeuCoins on other spends |
Welcome benefit | — | — | Welcome NeuCoins worth up to ₹1,500 on first 30 days of card activation |
Lifetime free | YesBest | No | No |
Network | Mastercard | Visa | Visa |
Best for | lifetime-free, cashback, bill-payments | — | online-shopping, rewards |
Apply |
Axis Bank
Lifetime free. 2% on bill pays; 1% on others — Best for lifetime-free · cashback · bill-payments.
Axis Bank
15 EDGE Reward Points per Rs 200 (effective 6% back via 5:4 redemption) — Best for .
SBI Card
2% NeuCoins + annual fee reversal on ₹1L spend
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