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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
American Express · ICICI Bank
3 reward points per ₹100 — Best for premium · luxury.
Annual fee
₹20,000
Visa · SBI Card
2% NeuCoins + annual fee reversal on ₹1L spend
Annual fee
₹1,499
Visa · Uni (SBM Bank)
Lifetime free. 2X rewards on UPI — Best for upi · cashback · lifetime-free.
Annual fee
Lifetime free
ICICI Bank
Annual Fee
₹20,000
Reward Rate
3 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
Uni (SBM Bank)
Annual Fee
Lifetime Free
Reward Rate
2X rewards on UPI
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 | ICICI Bank Bvlgari Credit CardAmerican Express · ICICI Bank | Tata Neu Plus SBI CardVisa · SBI Card | Uni Pay Credit CardVisa · Uni (SBM Bank) |
|---|---|---|---|
Card image |  |  |  |
Provider | ICICI Bank | SBI Card | Uni (SBM Bank) |
Card | |||
Annual fee | ₹20,000 | ₹1,499 | Lifetime FreeBest |
Joining fee | ₹20,000 | ₹1,499 | ₹0Best |
Reward rate | 3 reward points per ₹100Best | 5% NeuCoins on Tata Neu App / Tata partner spends; 1.5% NeuCoins on other spends | 2X rewards on UPI |
Welcome benefit | — | Welcome NeuCoins worth up to ₹1,500 on first 30 days of card activation | — |
Lifetime free | No | No | YesBest |
Network | American Express | Visa | Visa |
Best for | premium, luxury | online-shopping, rewards | upi, cashback, lifetime-free |
Apply |
ICICI Bank
3 reward points per ₹100 — Best for premium · luxury.
SBI Card
2% NeuCoins + annual fee reversal on ₹1L spend
Uni (SBM Bank)
Lifetime free. 2X rewards on UPI — Best for upi · cashback · lifetime-free.
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