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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Mastercard · ICICI Bank
5X rewards on HPCL fuel spends — Best for fuel.
Annual fee
₹500
Visa · Punjab National Bank
4 reward points per ₹100 — Best for rewards.
Annual fee
₹500
Visa · SBI Card
2% NeuCoins + annual fee reversal on ₹1L spend
Annual fee
₹1,499
ICICI Bank
Annual Fee
₹500
Reward Rate
5X rewards on HPCL fuel spends
Welcome Benefit
—
Punjab National Bank
Annual Fee
₹500
Reward Rate
4 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 HPCL Coral Credit CardMastercard · ICICI Bank | Punjab National Bank Rakshak Credit CardVisa · Punjab National Bank | Tata Neu Plus SBI CardVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | ICICI Bank | Punjab National Bank | SBI Card |
Card | |||
Annual fee | ₹500 | ₹500 | ₹1,499 |
Joining fee | ₹500 | ₹500 | ₹1,499 |
Reward rate | 5X rewards on HPCL fuel spends | 4 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 | No | No | No |
Network | Mastercard | Visa | Visa |
Best for | fuel | rewards | online-shopping, rewards |
Apply |
ICICI Bank
5X rewards on HPCL fuel spends — Best for fuel.
Punjab National Bank
4 reward points per ₹100 — Best for rewards.
SBI Card
2% NeuCoins + annual fee reversal on ₹1L spend
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