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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · SBI Card
5% Value Back as NeuCoins on non-EMI spends at the Tata Neu App / Website and… — Best for .
Annual fee
₹1,499
Visa · Standard Chartered
Lifetime free. 5% cashback on fuel & utility — Best for fuel · bill-payments · lifetime-free.
Annual fee
Lifetime free
Visa · Uni (SBM Bank)
Lifetime free. 1.5X rewards on all spends — Best for rewards · lifetime-free.
Annual fee
Lifetime free
SBI Card
Annual Fee
₹1,499
Reward Rate
5% Value Back as NeuCoins on non-EMI spends at the Tata Neu App / Website and partner Tata brands; up to 5% extra Value Back as NeuCoins on select category spends (NeuPass); 1.5% Value Back as NeuCoins on other spends, including UPI transactions (on the RuPay variant); NeuCoins auto-credited to cardholder's NeuPass account within 7 working days of monthly statement cycle
Welcome Benefit
—
Standard Chartered
Annual Fee
Lifetime Free
Reward Rate
5% cashback on fuel & utility
Welcome Benefit
—
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 | Tata Neu Infinity SBI CardVisa · SBI Card | Standard Chartered Platinum Credit CardVisa · Standard Chartered | Uni Credit CardVisa · Uni (SBM Bank) |
|---|---|---|---|
Card image |  |  |  |
Provider | SBI Card | Standard Chartered | Uni (SBM Bank) |
Card | |||
Annual fee | ₹1,499 | Lifetime Free | Lifetime Free |
Joining fee | ₹1,499 | ₹0 | ₹0 |
Reward rate | 5% Value Back as NeuCoins on non-EMI spends at the Tata Neu App / Website and partner Tata brands; up to 5% extra Value Back as NeuCoins on select category spends (NeuPass); 1.5% Value Back as NeuCoins on other spends, including UPI transactions (on the RuPay variant); NeuCoins auto-credited to cardholder's NeuPass account within 7 working days of monthly statement cycleBest | 5% cashback on fuel & utility | 1.5X rewards on all spends |
Welcome benefit | — | — | — |
Lifetime free | No | Yes | Yes |
Network | Visa | Visa | Visa |
Best for | — | fuel, bill-payments, lifetime-free | rewards, lifetime-free |
Apply |
SBI Card
5% Value Back as NeuCoins on non-EMI spends at the Tata Neu App / Website and… — Best for .
Standard Chartered
Lifetime free. 5% cashback on fuel & utility — Best for fuel · bill-payments · lifetime-free.
Uni (SBM Bank)
Lifetime free. 1.5X rewards on all spends — Best for rewards · lifetime-free.
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