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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · Kotak Mahindra Bank
4X rewards on selected spends — Best for rewards · premium.
Annual fee
₹3,000
Visa · SBI Card
2% NeuCoins + annual fee reversal on ₹1L spend
Annual fee
₹1,499
Visa · Standard Chartered
Lifetime free. 2X rewards on dining — Best for dining · lifetime-free.
Annual fee
Lifetime free
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% 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
Standard Chartered
Annual Fee
Lifetime Free
Reward Rate
2X rewards on dining
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 | Kotak White Reserve Credit CardVisa · Kotak Mahindra Bank | Tata Neu Plus SBI CardVisa · SBI Card | Standard Chartered Smart Credit CardVisa · Standard Chartered |
|---|---|---|---|
Card image |  |  |  |
Provider | Kotak Mahindra Bank | SBI Card | Standard Chartered |
Card | |||
Annual fee | ₹3,000 | ₹1,499 | Lifetime FreeBest |
Joining fee | ₹3,000 | ₹1,499 | ₹0Best |
Reward rate | 4X rewards on selected spends | 5% NeuCoins on Tata Neu App / Tata partner spends; 1.5% NeuCoins on other spendsBest | 2X rewards on dining |
Welcome benefit | — | Welcome NeuCoins worth up to ₹1,500 on first 30 days of card activation | — |
Lifetime free | No | No | YesBest |
Network | Visa | Visa | Visa |
Best for | rewards, premium | online-shopping, rewards | dining, lifetime-free |
Apply |
Kotak Mahindra Bank
4X rewards on selected spends — Best for rewards · premium.
SBI Card
2% NeuCoins + annual fee reversal on ₹1L spend
Standard Chartered
Lifetime free. 2X rewards on dining — Best for dining · lifetime-free.
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