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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · SBI Card
Lowest forex markup of 1.99% + 5% NeuCoins on Tata
Annual fee
₹4,999
Visa · Standard Chartered
Lifetime free. 2X rewards on dining — Best for dining · lifetime-free.
Annual fee
Lifetime free
Visa · Yes Bank
8 reward points per ₹200 — Best for premium · rewards.
Annual fee
₹2,500
SBI Card
Annual Fee
₹4,999
Reward Rate
5% Value Back as NeuCoins on Tata Neu spends; up to 5% extra as NeuCoins via NeuPass; 1.5% NeuCoins on other spends
Welcome Benefit
Welcome NeuCoins worth up to ₹4,999 credited within 15 days of joining fee realization
Standard Chartered
Annual Fee
Lifetime Free
Reward Rate
2X rewards on dining
Welcome Benefit
—
Yes Bank
Annual Fee
₹2,500
Reward Rate
8 reward points per ₹200
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 Smart Credit CardVisa · Standard Chartered | Yes Bank YES Premia Credit CardVisa · Yes Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | SBI Card | Standard Chartered | Yes Bank |
Card | |||
Annual fee | ₹4,999 | Lifetime FreeBest | ₹2,500 |
Joining fee | ₹4,999 | ₹0Best | ₹2,500 |
Reward rate | 5% Value Back as NeuCoins on Tata Neu spends; up to 5% extra as NeuCoins via NeuPass; 1.5% NeuCoins on other spends | 2X rewards on dining | 8 reward points per ₹200Best |
Welcome benefit | Welcome NeuCoins worth up to ₹4,999 credited within 15 days of joining fee realization | — | — |
Lifetime free | No | YesBest | No |
Network | Visa | Visa | Visa |
Best for | online-shopping, premium, travel | dining, lifetime-free | premium, rewards |
Apply |
SBI Card
Lowest forex markup of 1.99% + 5% NeuCoins on Tata
Standard Chartered
Lifetime free. 2X rewards on dining — Best for dining · lifetime-free.
Yes Bank
8 reward points per ₹200 — Best for premium · rewards.
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