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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · IDFC FIRST Bank
Lifetime free. 3X reward points on all spends — Best for lifetime-free · rewards · beginners.
Annual fee
Lifetime free
Mastercard · Kotak Mahindra Bank
Lifetime free. 2X rewards on online spends — Best for online-shopping · lifetime-free.
Annual fee
Lifetime free
Visa · SBI Card
2% NeuCoins + annual fee reversal on ₹1L spend
Annual fee
₹1,499
IDFC FIRST Bank
Annual Fee
Lifetime Free
Reward Rate
3X reward points on all spends
Welcome Benefit
—
Kotak Mahindra Bank
Annual Fee
Lifetime Free
Reward Rate
2X rewards on online spends
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 | IDFC FIRST Classic Credit CardVisa · IDFC FIRST Bank | Kotak MOJO Credit CardMastercard · Kotak Mahindra Bank | Tata Neu Plus SBI CardVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | IDFC FIRST Bank | Kotak Mahindra Bank | SBI Card |
Card | |||
Annual fee | Lifetime Free | Lifetime Free | ₹1,499 |
Joining fee | ₹0 | ₹0 | ₹1,499 |
Reward rate | 3X reward points on all spends | 2X rewards on online spends | 5% NeuCoins on Tata Neu App / Tata partner spends; 1.5% NeuCoins on other spendsBest |
Welcome benefit | — | — | Welcome NeuCoins worth up to ₹1,500 on first 30 days of card activation |
Lifetime free | Yes | Yes | No |
Network | Visa | Mastercard | Visa |
Best for | lifetime-free, rewards, beginners | online-shopping, lifetime-free | online-shopping, rewards |
Apply |
IDFC FIRST Bank
Lifetime free. 3X reward points on all spends — Best for lifetime-free · rewards · beginners.
Kotak Mahindra Bank
Lifetime free. 2X rewards on online spends — Best for online-shopping · lifetime-free.
SBI Card
2% NeuCoins + annual fee reversal on ₹1L spend
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