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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
American Express · ICICI Bank
Lifetime free. 5% back for Prime on Amazon; 3% for non-Prime — Best for online-shopping · amazon · lifetime-free.
Annual fee
Lifetime free
Mastercard · ICICI Bank
2 reward points per ₹100 — Best for rewards · lifestyle.
Annual fee
₹3,000
Visa · SBI Card
2% NeuCoins + annual fee reversal on ₹1L spend
Annual fee
₹1,499
ICICI Bank
Annual Fee
Lifetime Free
Reward Rate
5% back for Prime on Amazon; 3% for non-Prime
Welcome Benefit
—
ICICI Bank
Annual Fee
₹3,000
Reward Rate
2 reward points per ₹100
Welcome Benefit
—
SBI Card
Annual Fee
₹1,499
Reward Rate
5% NeuCoins on Tata Neu App / Tata partner spends; 1.5% NeuCoins on other spends
Welcome Benefit
Welcome NeuCoins worth up to ₹1,500 on first 30 days of card activation
Side by side
Every fee, reward and benefit in one place — the winning card in each row is marked with a check.
CategoryFeature | ICICI Amazon Pay Credit CardAmerican Express · ICICI Bank | ICICI Bank Gemstone Credit CardMastercard · ICICI Bank | Tata Neu Plus SBI CardVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | ICICI Bank | ICICI Bank | SBI Card |
Card | |||
Annual fee | Lifetime FreeBest | ₹3,000 | ₹1,499 |
Joining fee | ₹0Best | ₹3,000 | ₹1,499 |
Reward rate | 5% back for Prime on Amazon; 3% for non-Prime | 2 reward points per ₹100Best | 5% NeuCoins on Tata Neu App / Tata partner spends; 1.5% NeuCoins on other spends |
Welcome benefit | — | — | Welcome NeuCoins worth up to ₹1,500 on first 30 days of card activation |
Lifetime free | YesBest | No | No |
Network | American Express | Mastercard | Visa |
Best for | online-shopping, amazon, lifetime-free | rewards, lifestyle | online-shopping, rewards |
Apply |
ICICI Bank
Lifetime free. 5% back for Prime on Amazon; 3% for non-Prime — Best for online-shopping · amazon · lifetime-free.
ICICI Bank
2 reward points per ₹100 — Best for rewards · lifestyle.
SBI Card
2% NeuCoins + annual fee reversal on ₹1L spend
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