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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
2% NeuCoins + annual fee reversal on ₹1L spend
Annual fee
₹1,499
Mastercard · Standard Chartered
5X on travel & dining — Best for travel · dining.
Annual fee
₹2,500
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
Standard Chartered
Annual Fee
₹2,500
Reward Rate
5X on travel & dining
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 Plus SBI CardVisa · SBI Card | Standard Chartered Journey Credit CardMastercard · Standard Chartered |
|---|---|---|---|
Card image |  |  |  |
Provider | ICICI Bank | SBI Card | Standard Chartered |
Card | |||
Annual fee | ₹3,000 | ₹1,499Best | ₹2,500 |
Joining fee | ₹3,000 | ₹1,499Best | ₹2,500 |
Reward rate | 2 reward points per ₹100Best | 5% NeuCoins on Tata Neu App / Tata partner spends; 1.5% NeuCoins on other spends | 5X on travel & dining |
Welcome benefit | — | Welcome NeuCoins worth up to ₹1,500 on first 30 days of card activation | — |
Lifetime free | No | No | No |
Network | Mastercard | Visa | Mastercard |
Best for | rewards, lifestyle | online-shopping, rewards | travel, dining |
Apply |
ICICI Bank
2 reward points per ₹100 — Best for rewards · lifestyle.
SBI Card
2% NeuCoins + annual fee reversal on ₹1L spend
Standard Chartered
5X on travel & dining — Best for travel · dining.
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