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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · Niyo (DCB Bank)
Lifetime free. 2X rewards on forex spends — Best for travel · lifetime-free.
Annual fee
Lifetime free
Mastercard · RBL Bank
5X on dining & fuel — Best for dining · fuel.
Annual fee
₹1,000
Visa · SBI Card
2% NeuCoins + annual fee reversal on ₹1L spend
Annual fee
₹1,499
Niyo (DCB Bank)
Annual Fee
Lifetime Free
Reward Rate
2X rewards on forex spends
Welcome Benefit
—
RBL Bank
Annual Fee
₹1,000
Reward Rate
5X on dining & fuel
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 | Niyo Global Credit CardVisa · Niyo (DCB Bank) | RBL Bank Edge Credit CardMastercard · RBL Bank | Tata Neu Plus SBI CardVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | Niyo (DCB Bank) | RBL Bank | SBI Card |
Card | |||
Annual fee | Lifetime FreeBest | ₹1,000 | ₹1,499 |
Joining fee | ₹0Best | ₹1,000 | ₹1,499 |
Reward rate | 2X rewards on forex spends | 5X on dining & fuel | 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 | YesBest | No | No |
Network | Visa | Mastercard | Visa |
Best for | travel, lifetime-free | dining, fuel | online-shopping, rewards |
Apply |
Niyo (DCB Bank)
Lifetime free. 2X rewards on forex spends — Best for travel · lifetime-free.
RBL Bank
5X on dining & fuel — Best for dining · fuel.
SBI Card
2% NeuCoins + annual fee reversal on ₹1L spend
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