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