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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Mastercard · HDFC Bank
4 reward points per ₹150 — Best for travel · lounge-access · premium.
Annual fee
₹2,500
Visa · OneCard
Lifetime free. 5X rewards on top categories — Best for lifetime-free · app-driven · rewards.
Annual fee
Lifetime free
Visa · SBI Card
Lowest forex markup of 1.99% + 5% NeuCoins on Tata
Annual fee
₹4,999
HDFC Bank
Annual Fee
₹2,500
Reward Rate
4 reward points per ₹150
Welcome Benefit
—
OneCard
Annual Fee
Lifetime Free
Reward Rate
5X rewards on top categories
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 | HDFC Bank Regalia Gold Credit CardMastercard · HDFC Bank | OneCard RuPay Credit CardVisa · OneCard | Tata Neu Infinity SBI CardVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | HDFC Bank | OneCard | SBI Card |
Card | |||
Annual fee | ₹2,500 | Lifetime FreeBest | ₹4,999 |
Joining fee | ₹2,500 | ₹0Best | ₹4,999 |
Reward rate | 4 reward points per ₹150Best | 5X rewards on top categories | 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 | No | YesBest | No |
Network | Mastercard | Visa | Visa |
Best for | travel, lounge-access, premium | lifetime-free, app-driven, rewards, upi | online-shopping, premium, travel |
Apply |
HDFC Bank
4 reward points per ₹150 — Best for travel · lounge-access · premium.
OneCard
Lifetime free. 5X rewards on top categories — Best for lifetime-free · app-driven · rewards.
SBI Card
Lowest forex markup of 1.99% + 5% NeuCoins on Tata
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