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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · HSBC India
2X reward points per ₹100 — Best for rewards.
Annual fee
₹500
Visa · ICICI Bank
Lifetime free. 5% NeuCoins on Tata spends — Best for online-shopping · lifetime-free.
Annual fee
Lifetime free
Mastercard · Kotak Mahindra Bank
Lifetime free. 2X rewards on online spends — Best for online-shopping · lifetime-free.
Annual fee
Lifetime free
HSBC India
Annual Fee
₹500
Reward Rate
2X reward points per ₹100
Welcome Benefit
—
ICICI Bank
Annual Fee
Lifetime Free
Reward Rate
5% NeuCoins on Tata spends
Welcome Benefit
—
Kotak Mahindra 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 | HSBC Smart Value Credit CardVisa · HSBC India | ICICI Bank Tata Neu Credit CardVisa · ICICI Bank | Kotak MOJO Credit CardMastercard · Kotak Mahindra Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | HSBC India | ICICI Bank | Kotak Mahindra Bank |
Card | |||
Annual fee | ₹500 | Lifetime Free | Lifetime Free |
Joining fee | ₹500 | ₹0 | ₹0 |
Reward rate | 2X reward points per ₹100Best | 5% NeuCoins on Tata spends | 2X rewards on online spends |
Welcome benefit | — | — | — |
Lifetime free | No | Yes | Yes |
Network | Visa | Visa | Mastercard |
Best for | rewards | online-shopping, lifetime-free | online-shopping, lifetime-free |
Apply |
HSBC India
2X reward points per ₹100 — Best for rewards.
ICICI Bank
Lifetime free. 5% NeuCoins on Tata spends — Best for online-shopping · lifetime-free.
Kotak Mahindra Bank
Lifetime free. 2X rewards on online spends — Best for online-shopping · lifetime-free.
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