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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
American Express · ICICI Bank
4 reward points per ₹100 — Best for premium · travel · rewards.
Annual fee
₹6,500
Visa · Standard Chartered
5% cashback on subscriptions & utilities — Best for bill-payments.
Annual fee
₹1,500
HDFC Bank
Annual Fee
₹5,000
Reward Rate
5% NeuCoins on Tata; 1.5% on others
Welcome Benefit
—
ICICI Bank
Annual Fee
₹6,500
Reward Rate
4 reward points per ₹100
Welcome Benefit
—
Standard Chartered
Annual Fee
₹1,500
Reward Rate
5% cashback on subscriptions & utilities
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 Sapphiro Credit CardAmerican Express · ICICI Bank | Standard Chartered DigiSmart Credit CardVisa · Standard Chartered |
|---|---|---|---|
Card image |  |  |  |
Provider | HDFC Bank | ICICI Bank | Standard Chartered |
Card | |||
Annual fee | ₹5,000 | ₹6,500 | ₹1,500Best |
Joining fee | ₹5,000 | ₹6,500 | ₹1,500Best |
Reward rate | 5% NeuCoins on Tata; 1.5% on others | 4 reward points per ₹100Best | 5% cashback on subscriptions & utilities |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | Visa | American Express | Visa |
Best for | online-shopping, premium, rewards | premium, travel, rewards | bill-payments |
Apply |
HDFC Bank
5% NeuCoins on Tata; 1.5% on others — Best for online-shopping · premium · rewards.
ICICI Bank
4 reward points per ₹100 — Best for premium · travel · rewards.
Standard Chartered
5% cashback on subscriptions & utilities — Best for bill-payments.
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