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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
American Express · ICICI Bank
4 reward points per ₹100 — Best for premium · travel · rewards.
Annual fee
₹6,500
Visa · IndusInd Bank
5 reward points per ₹100 — Best for premium.
Annual fee
₹12,500
Visa · SBI Card
2% NeuCoins + annual fee reversal on ₹1L spend
Annual fee
₹1,499
ICICI Bank
Annual Fee
₹6,500
Reward Rate
4 reward points per ₹100
Welcome Benefit
—
IndusInd Bank
Annual Fee
₹12,500
Reward Rate
5 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 Sapphiro Credit CardAmerican Express · ICICI Bank | IndusInd Bank Pinnacle Credit CardVisa · IndusInd Bank | Tata Neu Plus SBI CardVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | ICICI Bank | IndusInd Bank | SBI Card |
Card | |||
Annual fee | ₹6,500 | ₹12,500 | ₹1,499Best |
Joining fee | ₹6,500 | ₹12,500 | ₹1,499Best |
Reward rate | 4 reward points per ₹100 | 5 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 | American Express | Visa | Visa |
Best for | premium, travel, rewards | premium | online-shopping, rewards |
Apply |
ICICI Bank
4 reward points per ₹100 — Best for premium · travel · rewards.
IndusInd Bank
5 reward points per ₹100 — Best for premium.
SBI Card
2% NeuCoins + annual fee reversal on ₹1L spend
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