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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · ICICI Bank
Lifetime free. 5% NeuCoins on Tata spends — Best for online-shopping · lifetime-free.
Annual fee
Lifetime free
Visa · Kotak Mahindra Bank
4X rewards on selected spends — Best for rewards · premium.
Annual fee
₹3,000
Visa · SBI Card
5% Value Back as NeuCoins on non-EMI spends at the Tata Neu App / Website and… — Best for .
Annual fee
₹1,499
ICICI Bank
Annual Fee
Lifetime Free
Reward Rate
5% NeuCoins on Tata spends
Welcome Benefit
—
Kotak Mahindra Bank
Annual Fee
₹3,000
Reward Rate
4X rewards on selected spends
Welcome Benefit
—
SBI Card
Annual Fee
₹1,499
Reward Rate
5% Value Back as NeuCoins on non-EMI spends at the Tata Neu App / Website and partner Tata brands; up to 5% extra Value Back as NeuCoins on select category spends (NeuPass); 1.5% Value Back as NeuCoins on other spends, including UPI transactions (on the RuPay variant); NeuCoins auto-credited to cardholder's NeuPass account within 7 working days of monthly statement cycle
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 Tata Neu Credit CardVisa · ICICI Bank | Kotak White Reserve Credit CardVisa · Kotak Mahindra Bank | Tata Neu Infinity SBI CardVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | ICICI Bank | Kotak Mahindra Bank | SBI Card |
Card | |||
Annual fee | Lifetime FreeBest | ₹3,000 | ₹1,499 |
Joining fee | ₹0Best | ₹3,000 | ₹1,499 |
Reward rate | 5% NeuCoins on Tata spends | 4X rewards on selected spends | 5% Value Back as NeuCoins on non-EMI spends at the Tata Neu App / Website and partner Tata brands; up to 5% extra Value Back as NeuCoins on select category spends (NeuPass); 1.5% Value Back as NeuCoins on other spends, including UPI transactions (on the RuPay variant); NeuCoins auto-credited to cardholder's NeuPass account within 7 working days of monthly statement cycleBest |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | Visa | Visa | Visa |
Best for | online-shopping, lifetime-free | rewards, premium | — |
Apply |
ICICI Bank
Lifetime free. 5% NeuCoins on Tata spends — Best for online-shopping · lifetime-free.
Kotak Mahindra Bank
4X rewards on selected spends — Best for rewards · premium.
SBI Card
5% Value Back as NeuCoins on non-EMI spends at the Tata Neu App / Website and… — Best for .
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