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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · Federal Bank
Lifetime free. 1 reward point per ₹100 — Best for lifetime-free · rewards.
Annual fee
Lifetime free
Visa · ICICI Bank
2 reward points per ₹100 — Best for rewards.
Annual fee
₹3,000
Visa · SBI Card
Lowest forex markup of 1.99% + 5% NeuCoins on Tata
Annual fee
₹4,999
Federal Bank
Annual Fee
Lifetime Free
Reward Rate
1 reward point per ₹100
Welcome Benefit
—
ICICI Bank
Annual Fee
₹3,000
Reward Rate
2 reward points per ₹100
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 | Federal Bank Celebration Credit CardVisa · Federal Bank | ICICI Bank Rubyx Credit CardVisa · ICICI Bank | Tata Neu Infinity SBI CardVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | Federal Bank | ICICI Bank | SBI Card |
Card | |||
Annual fee | Lifetime FreeBest | ₹3,000 | ₹4,999 |
Joining fee | ₹0Best | ₹3,000 | ₹4,999 |
Reward rate | 1 reward point per ₹100 | 2 reward points per ₹100Best | 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 | YesBest | No | No |
Network | Visa | Visa | Visa |
Best for | lifetime-free, rewards | rewards | online-shopping, premium, travel |
Apply |
Federal Bank
Lifetime free. 1 reward point per ₹100 — Best for lifetime-free · rewards.
ICICI Bank
2 reward points per ₹100 — Best for rewards.
SBI Card
Lowest forex markup of 1.99% + 5% NeuCoins on Tata
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