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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · HDFC Bank
10X cashback on partner spends; 2X on PayZapp — Best for online-shopping · cashback.
Annual fee
₹500
Mastercard · SBI Card
5 reward points per ₹100 — Best for rewards · premium.
Annual fee
₹2,999
Visa · SBI Card
2% NeuCoins + annual fee reversal on ₹1L spend
Annual fee
₹1,499
HDFC Bank
Annual Fee
₹500
Reward Rate
10X cashback on partner spends; 2X on PayZapp
Welcome Benefit
—
SBI Card
Annual Fee
₹2,999
Reward Rate
5 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 Bank MoneyBack Plus Credit CardVisa · HDFC Bank | SBI Card PRIMEMastercard · SBI Card | Tata Neu Plus SBI CardVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | HDFC Bank | SBI Card | SBI Card |
Card | |||
Annual fee | ₹500Best | ₹2,999 | ₹1,499 |
Joining fee | ₹500Best | ₹2,999 | ₹1,499 |
Reward rate | 10X cashback on partner spends; 2X on PayZapp | 5 reward points per ₹100Best | 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 | Visa | Mastercard | Visa |
Best for | online-shopping, cashback | rewards, premium | online-shopping, rewards |
Apply |
HDFC Bank
10X cashback on partner spends; 2X on PayZapp — Best for online-shopping · cashback.
SBI Card
5 reward points per ₹100 — Best for rewards · premium.
SBI Card
2% NeuCoins + annual fee reversal on ₹1L spend
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