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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
Visa · SBI Card
Lifetime free. 5% NeuCoins on Tata — 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
₹1,000
Reward Rate
3X on online; 2X offline
Welcome Benefit
—
SBI Card
Annual Fee
Lifetime Free
Reward Rate
5% NeuCoins on Tata
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 Millennia Credit CardVisa · IDFC FIRST Bank | SBI Card Tata NeuVisa · SBI Card | Tata Neu Plus SBI CardVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | IDFC FIRST Bank | SBI Card | SBI Card |
Card | |||
Annual fee | ₹1,000 | Lifetime FreeBest | ₹1,499 |
Joining fee | ₹1,000Best | ₹1,499 | ₹1,499 |
Reward rate | 3X on online; 2X offline | 5% NeuCoins on Tata | 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 | No | YesBest | No |
Network | Visa | Visa | Visa |
Best for | online-shopping, rewards | online-shopping, lifetime-free | online-shopping, rewards |
Apply |
IDFC FIRST Bank
3X on online; 2X offline — Best for online-shopping · rewards.
SBI Card
Lifetime free. 5% NeuCoins on Tata — Best for online-shopping · lifetime-free.
SBI Card
2% NeuCoins + annual fee reversal on ₹1L spend
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