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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Mastercard · ICICI Bank
2 reward points per ₹100 — Best for rewards · lifestyle.
Annual fee
₹3,000
Visa · SBI Card
Lowest forex markup of 1.99% + 5% NeuCoins on Tata
Annual fee
₹4,999
Visa · Standard Chartered
5% cashback on subscriptions & utilities — Best for bill-payments.
Annual fee
₹1,500
ICICI Bank
Annual Fee
₹3,000
Reward Rate
2 reward points per ₹100
Welcome Benefit
—
SBI Card
Annual Fee
₹4,999
Reward Rate
5% Value Back as NeuCoins on Tata Neu spends; up to 5% extra as NeuCoins via NeuPass; 1.5% NeuCoins on other spends
Welcome Benefit
Welcome NeuCoins worth up to ₹4,999 credited within 15 days of joining fee realization
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 | ICICI Bank Gemstone Credit CardMastercard · ICICI Bank | Tata Neu Infinity SBI CardVisa · SBI Card | Standard Chartered DigiSmart Credit CardVisa · Standard Chartered |
|---|---|---|---|
Card image |  |  |  |
Provider | ICICI Bank | SBI Card | Standard Chartered |
Card | |||
Annual fee | ₹3,000 | ₹4,999 | ₹1,500Best |
Joining fee | ₹3,000 | ₹4,999 | ₹1,500Best |
Reward rate | 2 reward points per ₹100Best | 5% Value Back as NeuCoins on Tata Neu spends; up to 5% extra as NeuCoins via NeuPass; 1.5% NeuCoins on other spends | 5% cashback on subscriptions & utilities |
Welcome benefit | — | Welcome NeuCoins worth up to ₹4,999 credited within 15 days of joining fee realization | — |
Lifetime free | No | No | No |
Network | Mastercard | Visa | Visa |
Best for | rewards, lifestyle | online-shopping, premium, travel | bill-payments |
Apply |
ICICI Bank
2 reward points per ₹100 — Best for rewards · lifestyle.
SBI Card
Lowest forex markup of 1.99% + 5% NeuCoins on Tata
Standard Chartered
5% cashback on subscriptions & utilities — Best for bill-payments.
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