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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · ICICI Bank
2 reward points per ₹100 — Best for rewards.
Annual fee
₹3,000
Visa · SBI Card
Lowest forex markup of 1.99% + 5% NeuCoins on Tata
Annual fee
₹4,999
Visa · Standard Chartered
5x on travel & dining; 1x others — Best for travel · dining · lounge-access.
Annual fee
₹5,000
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
₹5,000
Reward Rate
5x on travel & dining; 1x others
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 Rubyx Credit CardVisa · ICICI Bank | Tata Neu Infinity SBI CardVisa · SBI Card | Standard Chartered Ultimate Credit CardVisa · Standard Chartered |
|---|---|---|---|
Card image |  |  |  |
Provider | ICICI Bank | SBI Card | Standard Chartered |
Card | |||
Annual fee | ₹3,000Best | ₹4,999 | ₹5,000 |
Joining fee | ₹3,000Best | ₹4,999 | ₹5,000 |
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 | 5x on travel & dining; 1x others |
Welcome benefit | — | Welcome NeuCoins worth up to ₹4,999 credited within 15 days of joining fee realization | — |
Lifetime free | No | No | No |
Network | Visa | Visa | Visa |
Best for | rewards | online-shopping, premium, travel | travel, dining, lounge-access |
Apply |
ICICI Bank
2 reward points per ₹100 — Best for rewards.
SBI Card
Lowest forex markup of 1.99% + 5% NeuCoins on Tata
Standard Chartered
5x on travel & dining; 1x others — Best for travel · dining · lounge-access.
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