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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
Lowest forex markup of 1.99% + 5% NeuCoins on Tata
Annual fee
₹4,999
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
2X reward points on UPI spends
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
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 RuPay Credit CardRuPay · HDFC Bank | Tata Neu Infinity SBI CardVisa · SBI Card | slice Credit CardVisa · slice (SBM Bank) |
|---|---|---|---|
Card image |  |  |  |
Provider | HDFC Bank | SBI Card | slice (SBM Bank) |
Card | |||
Annual fee | ₹500 | ₹4,999 | Lifetime FreeBest |
Joining fee | ₹500 | ₹4,999 | ₹0Best |
Reward rate | 2X reward points on UPI spends | 5% Value Back as NeuCoins on Tata Neu spends; up to 5% extra as NeuCoins via NeuPass; 1.5% NeuCoins on other spendsBest | 2X rewards on online spends |
Welcome benefit | — | Welcome NeuCoins worth up to ₹4,999 credited within 15 days of joining fee realization | — |
Lifetime free | No | No | YesBest |
Network | RuPay | Visa | Visa |
Best for | rewards, upi | online-shopping, premium, travel | online-shopping, lifetime-free |
Apply |
HDFC Bank
2X reward points on UPI spends — Best for rewards · upi.
SBI Card
Lowest forex markup of 1.99% + 5% NeuCoins on Tata
slice (SBM Bank)
Lifetime free. 2X rewards on online spends — Best for online-shopping · lifetime-free.
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