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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
Lifetime free. 5% NeuCoins on Tata — Best for online-shopping · lifetime-free.
Annual fee
Lifetime free
Visa · SBI Card
1 reward point per ₹100 — Best for rewards · beginners.
Annual fee
₹499
ICICI Bank
Annual Fee
₹3,000
Reward Rate
2 reward points per ₹100
Welcome Benefit
—
SBI Card
Annual Fee
Lifetime Free
Reward Rate
5% NeuCoins on Tata
Welcome Benefit
—
SBI Card
Annual Fee
₹499
Reward Rate
1 reward point per ₹100
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 | SBI Card Tata NeuVisa · SBI Card | SBI Unnati Credit CardVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | ICICI Bank | SBI Card | SBI Card |
Card | |||
Annual fee | ₹3,000 | Lifetime FreeBest | ₹499 |
Joining fee | ₹3,000 | ₹1,499 | ₹499Best |
Reward rate | 2 reward points per ₹100Best | 5% NeuCoins on Tata | 1 reward point per ₹100 |
Welcome benefit | — | — | — |
Lifetime free | No | YesBest | No |
Network | Mastercard | Visa | Visa |
Best for | rewards, lifestyle | online-shopping, lifetime-free | rewards, beginners |
Apply |
ICICI Bank
2 reward points per ₹100 — Best for rewards · lifestyle.
SBI Card
Lifetime free. 5% NeuCoins on Tata — Best for online-shopping · lifetime-free.
SBI Card
1 reward point per ₹100 — Best for rewards · beginners.
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