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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Mastercard · Axis Bank
2X EDGE rewards on dining & movies — Best for dining · entertainment.
Annual fee
₹500
Visa · IDFC FIRST Bank
Lifetime free. 3X rewards + wealth benefits — Best for lifetime-free · rewards · premium.
Annual fee
Lifetime free
Visa · SBI Card
2% NeuCoins + annual fee reversal on ₹1L spend
Annual fee
₹1,499
Axis Bank
Annual Fee
₹500
Reward Rate
2X EDGE rewards on dining & movies
Welcome Benefit
—
IDFC FIRST Bank
Annual Fee
Lifetime Free
Reward Rate
3X rewards + wealth benefits
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 MyZone Credit CardMastercard · Axis Bank | IDFC FIRST Wealth Credit CardVisa · IDFC FIRST Bank | Tata Neu Plus SBI CardVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | Axis Bank | IDFC FIRST Bank | SBI Card |
Card | |||
Annual fee | ₹500 | Lifetime FreeBest | ₹1,499 |
Joining fee | ₹500 | ₹0Best | ₹1,499 |
Reward rate | 2X EDGE rewards on dining & movies | 3X rewards + wealth benefits | 5% NeuCoins on Tata Neu App / Tata partner spends; 1.5% NeuCoins on other spendsBest |
Welcome benefit | — | — | Welcome NeuCoins worth up to ₹1,500 on first 30 days of card activation |
Lifetime free | No | YesBest | No |
Network | Mastercard | Visa | Visa |
Best for | dining, entertainment | lifetime-free, rewards, premium | online-shopping, rewards |
Apply |
Axis Bank
2X EDGE rewards on dining & movies — Best for dining · entertainment.
IDFC FIRST Bank
Lifetime free. 3X rewards + wealth benefits — Best for lifetime-free · rewards · premium.
SBI Card
2% NeuCoins + annual fee reversal on ₹1L spend
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