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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · HDFC Bank
5% NeuCoins on Tata; 1.5% on others — Best for online-shopping · premium · rewards.
Annual fee
₹5,000
Visa · ICICI Bank
Lifetime free. 1 payback point per ₹100 — Best for lifetime-free · beginners.
Annual fee
Lifetime free
Mastercard · SBI Card
5% cashback on top online brands; 1% on others — Best for cashback · online-shopping.
Annual fee
₹999
HDFC Bank
Annual Fee
₹5,000
Reward Rate
5% NeuCoins on Tata; 1.5% on others
Welcome Benefit
—
ICICI Bank
Annual Fee
Lifetime Free
Reward Rate
1 payback point per ₹100
Welcome Benefit
—
SBI Card
Annual Fee
₹999
Reward Rate
5% cashback on top online brands; 1% on others
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 Tata Neu Infinity Credit CardVisa · HDFC Bank | ICICI Platinum Credit CardVisa · ICICI Bank | SBI Cashback Credit CardMastercard · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | HDFC Bank | ICICI Bank | SBI Card |
Card | |||
Annual fee | ₹5,000 | Lifetime FreeBest | ₹999 |
Joining fee | ₹5,000 | ₹0Best | ₹999 |
Reward rate | 5% NeuCoins on Tata; 1.5% on others | 1 payback point per ₹100Best | 5% cashback on top online brands; 1% on others |
Welcome benefit | — | — | — |
Lifetime free | No | YesBest | No |
Network | Visa | Visa | Mastercard |
Best for | online-shopping, premium, rewards | lifetime-free, beginners | cashback, online-shopping |
Apply |
HDFC Bank
5% NeuCoins on Tata; 1.5% on others — Best for online-shopping · premium · rewards.
ICICI Bank
Lifetime free. 1 payback point per ₹100 — Best for lifetime-free · beginners.
SBI Card
5% cashback on top online brands; 1% on others — Best for cashback · online-shopping.
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