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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 purchases; 1.5% on others — Best for online-shopping · rewards.
Annual fee
₹1,500
Mastercard · ICICI Bank
2 Payback points per ₹100 on dining — Best for dining · rewards.
Annual fee
₹500
American Express · ICICI Bank
4 reward points per ₹100 — Best for premium · travel · rewards.
Annual fee
₹6,500
HDFC Bank
Annual Fee
₹1,500
Reward Rate
5% NeuCoins on Tata purchases; 1.5% on others
Welcome Benefit
—
ICICI Bank
Annual Fee
₹500
Reward Rate
2 Payback points per ₹100 on dining
Welcome Benefit
—
ICICI Bank
Annual Fee
₹6,500
Reward Rate
4 reward points per ₹100
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 Plus Credit CardVisa · HDFC Bank | ICICI Coral Credit CardMastercard · ICICI Bank | ICICI Sapphiro Credit CardAmerican Express · ICICI Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | HDFC Bank | ICICI Bank | ICICI Bank |
Card | |||
Annual fee | ₹1,500 | ₹500Best | ₹6,500 |
Joining fee | ₹1,500 | ₹500Best | ₹6,500 |
Reward rate | 5% NeuCoins on Tata purchases; 1.5% on others | 2 Payback points per ₹100 on dining | 4 reward points per ₹100Best |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | Visa | Mastercard | American Express |
Best for | online-shopping, rewards | dining, rewards | premium, travel, rewards |
Apply |
HDFC Bank
5% NeuCoins on Tata purchases; 1.5% on others — Best for online-shopping · rewards.
ICICI Bank
2 Payback points per ₹100 on dining — Best for dining · rewards.
ICICI Bank
4 reward points per ₹100 — Best for premium · travel · rewards.
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