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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Mastercard · HDFC Bank
5 reward points per ₹150 — Best for premium · lounge-access · travel.
Annual fee
₹12,500
Visa · ICICI Bank
2 reward points per ₹100 — Best for rewards.
Annual fee
₹3,000
Visa · SBI Card
2% NeuCoins + annual fee reversal on ₹1L spend
Annual fee
₹1,499
HDFC Bank
Annual Fee
₹12,500
Reward Rate
5 reward points per ₹150
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% 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 | HDFC Infinia Credit CardMastercard · HDFC Bank | ICICI Bank Rubyx Credit CardVisa · ICICI Bank | Tata Neu Plus SBI CardVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | HDFC Bank | ICICI Bank | SBI Card |
Card | |||
Annual fee | ₹12,500 | ₹3,000 | ₹1,499Best |
Joining fee | ₹12,500 | ₹3,000 | ₹1,499Best |
Reward rate | 5 reward points per ₹150Best | 2 reward points per ₹100 | 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 | No | No | No |
Network | Mastercard | Visa | Visa |
Best for | premium, lounge-access, travel | rewards | online-shopping, rewards |
Apply |
HDFC Bank
5 reward points per ₹150 — Best for premium · lounge-access · travel.
ICICI Bank
2 reward points per ₹100 — Best for rewards.
SBI Card
2% NeuCoins + annual fee reversal on ₹1L spend
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