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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
RuPay · HDFC Bank
2X reward points on UPI spends — Best for rewards · upi.
Annual fee
₹500
Visa · SBI Card
5X rewards on dining, departmental stores & grocery. 8 domestic + 6 international lounge visits. 1.99% lowest forex markup.
Annual fee
₹4,999
Visa · SBI Card
2% NeuCoins + annual fee reversal on ₹1L spend
Annual fee
₹1,499
HDFC Bank
Annual Fee
₹500
Reward Rate
2X reward points on UPI spends
Welcome Benefit
—
SBI Card
Annual Fee
₹4,999
Reward Rate
5 Reward Points per ₹100 on dining, departmental stores and grocery; 2 Reward Points per ₹100 on all other retail spends; 1 Reward Point = Re. 0.25
Welcome Benefit
Up to 5,000 Bonus Reward Points as welcome gift on payment of joining fee, plus complimentary 1-year Club ITC Silver Tier membership on first transaction within 60 days of card activation.
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 RuPay Credit CardRuPay · HDFC Bank | SBI Card ELITEVisa · SBI Card | Tata Neu Plus SBI CardVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | HDFC Bank | SBI Card | SBI Card |
Card | |||
Annual fee | ₹500Best | ₹4,999 | ₹1,499 |
Joining fee | ₹500Best | ₹4,999 | ₹1,499 |
Reward rate | 2X reward points on UPI spends | 5 Reward Points per ₹100 on dining, departmental stores and grocery; 2 Reward Points per ₹100 on all other retail spends; 1 Reward Point = Re. 0.25Best | 5% NeuCoins on Tata Neu App / Tata partner spends; 1.5% NeuCoins on other spends |
Welcome benefit | — | Up to 5,000 Bonus Reward Points as welcome gift on payment of joining fee, plus complimentary 1-year Club ITC Silver Tier membership on first transaction within 60 days of card activation. | Welcome NeuCoins worth up to ₹1,500 on first 30 days of card activation |
Lifetime free | No | No | No |
Network | RuPay | Visa | Visa |
Best for | rewards, upi | premium, lounge-access, dining, forex, milestone | online-shopping, rewards |
Apply |
HDFC Bank
2X reward points on UPI spends — Best for rewards · upi.
SBI Card
5X rewards on dining, departmental stores & grocery. 8 domestic + 6 international lounge visits. 1.99% lowest forex markup.
SBI Card
2% NeuCoins + annual fee reversal on ₹1L spend
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