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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · OneCard
Lifetime free. 5X rewards on top categories — Best for lifetime-free · app-driven · rewards.
Annual fee
Lifetime free
Visa · SBI Card
2% NeuCoins + annual fee reversal on ₹1L spend
Annual fee
₹1,499
Visa · Uni (SBM Bank)
Lifetime free. 1.5X rewards on all spends — Best for rewards · lifetime-free.
Annual fee
Lifetime free
OneCard
Annual Fee
Lifetime Free
Reward Rate
5X rewards on top categories
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
Uni (SBM Bank)
Annual Fee
Lifetime Free
Reward Rate
1.5X rewards on all spends
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 | OneCard RuPay Credit CardVisa · OneCard | Tata Neu Plus SBI CardVisa · SBI Card | Uni Credit CardVisa · Uni (SBM Bank) |
|---|---|---|---|
Card image |  |  |  |
Provider | OneCard | SBI Card | Uni (SBM Bank) |
Card | |||
Annual fee | Lifetime Free | ₹1,499 | Lifetime Free |
Joining fee | ₹0 | ₹1,499 | ₹0 |
Reward rate | 5X rewards on top categories | 5% NeuCoins on Tata Neu App / Tata partner spends; 1.5% NeuCoins on other spendsBest | 1.5X rewards on all spends |
Welcome benefit | — | Welcome NeuCoins worth up to ₹1,500 on first 30 days of card activation | — |
Lifetime free | Yes | No | Yes |
Network | Visa | Visa | Visa |
Best for | lifetime-free, app-driven, rewards, upi | online-shopping, rewards | rewards, lifetime-free |
Apply |
OneCard
Lifetime free. 5X rewards on top categories — Best for lifetime-free · app-driven · rewards.
SBI Card
2% NeuCoins + annual fee reversal on ₹1L spend
Uni (SBM Bank)
Lifetime free. 1.5X rewards on all spends — Best for rewards · lifetime-free.
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