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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Mastercard · Kotak Mahindra Bank
Lifetime free. 2X rewards on online spends — Best for online-shopping · lifetime-free.
Annual fee
Lifetime free
Mastercard · SBI Card
2 Travel Credits per ₹200 on travel spends; 1 Travel Credit per ₹200 on other… — Best for .
Annual fee
₹1,499
Visa · SBI Card
2% NeuCoins + annual fee reversal on ₹1L spend
Annual fee
₹1,499
Kotak Mahindra Bank
Annual Fee
Lifetime Free
Reward Rate
2X rewards on online spends
Welcome Benefit
—
SBI Card
Annual Fee
₹1,499
Reward Rate
2 Travel Credits per ₹200 on travel spends; 1 Travel Credit per ₹200 on other spends; Travel Credits can be redeemed for Air Miles / Hotel Points (1 Travel Credit = Re. 1) or for Travel Bookings (1 Travel Credit = ₹0.50)
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 | Kotak MOJO Credit CardMastercard · Kotak Mahindra Bank | SBI Card MILESMastercard · SBI Card | Tata Neu Plus SBI CardVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | Kotak Mahindra Bank | SBI Card | SBI Card |
Card | |||
Annual fee | Lifetime FreeBest | ₹1,499 | ₹1,499 |
Joining fee | ₹0Best | ₹1,499 | ₹1,499 |
Reward rate | 2X rewards on online spends | 2 Travel Credits per ₹200 on travel spends; 1 Travel Credit per ₹200 on other spends; Travel Credits can be redeemed for Air Miles / Hotel Points (1 Travel Credit = Re. 1) or for Travel Bookings (1 Travel Credit = ₹0.50)Best | 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 | YesBest | No | No |
Network | Mastercard | Mastercard | Visa |
Best for | online-shopping, lifetime-free | — | online-shopping, rewards |
Apply |
Kotak Mahindra Bank
Lifetime free. 2X rewards on online spends — Best for online-shopping · lifetime-free.
SBI Card
2 Travel Credits per ₹200 on travel spends; 1 Travel Credit per ₹200 on other… — Best for .
SBI Card
2% NeuCoins + annual fee reversal on ₹1L spend
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