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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · IDFC FIRST Bank
3X on online; 2X offline — Best for online-shopping · rewards.
Annual fee
₹1,000
Mastercard · RBL Bank
Lifetime free. 2X reward points on online — Best for online-shopping · lifetime-free.
Annual fee
Lifetime free
Visa · SBI Card
Lowest forex markup of 1.99% + 5% NeuCoins on Tata
Annual fee
₹4,999
IDFC FIRST Bank
Annual Fee
₹1,000
Reward Rate
3X on online; 2X offline
Welcome Benefit
—
RBL Bank
Annual Fee
Lifetime Free
Reward Rate
2X reward points on online
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
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 Millennia Credit CardVisa · IDFC FIRST Bank | RBL Bank ShopRite Credit CardMastercard · RBL Bank | Tata Neu Infinity SBI CardVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | IDFC FIRST Bank | RBL Bank | SBI Card |
Card | |||
Annual fee | ₹1,000 | Lifetime FreeBest | ₹4,999 |
Joining fee | ₹1,000 | ₹0Best | ₹4,999 |
Reward rate | 3X on online; 2X offline | 2X reward points on online | 5% Value Back as NeuCoins on Tata Neu spends; up to 5% extra as NeuCoins via NeuPass; 1.5% NeuCoins on other spendsBest |
Welcome benefit | — | — | Welcome NeuCoins worth up to ₹4,999 credited within 15 days of joining fee realization |
Lifetime free | No | YesBest | No |
Network | Visa | Mastercard | Visa |
Best for | online-shopping, rewards | online-shopping, lifetime-free | online-shopping, premium, travel |
Apply |
IDFC FIRST Bank
3X on online; 2X offline — Best for online-shopping · rewards.
RBL Bank
Lifetime free. 2X reward points on online — Best for online-shopping · lifetime-free.
SBI Card
Lowest forex markup of 1.99% + 5% NeuCoins on Tata
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