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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · SBI Card
2% NeuCoins + annual fee reversal on ₹1L spend
Annual fee
₹1,499
Visa · SBI Card
1 reward point per ₹100 — Best for rewards · beginners.
Annual fee
₹499
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% 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
SBI Card
Annual Fee
₹499
Reward Rate
1 reward point per ₹100
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 Plus SBI CardVisa · SBI Card | SBI Unnati Credit CardVisa · SBI Card | Uni Credit CardVisa · Uni (SBM Bank) |
|---|---|---|---|
Card image |  |  |  |
Provider | SBI Card | SBI Card | Uni (SBM Bank) |
Card | |||
Annual fee | ₹1,499 | ₹499 | Lifetime FreeBest |
Joining fee | ₹1,499 | ₹499 | ₹0Best |
Reward rate | 5% NeuCoins on Tata Neu App / Tata partner spends; 1.5% NeuCoins on other spends | 1 reward point per ₹100Best | 1.5X rewards on all spends |
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 | online-shopping, rewards | rewards, beginners | rewards, lifetime-free |
Apply |
SBI Card
2% NeuCoins + annual fee reversal on ₹1L spend
SBI Card
1 reward point per ₹100 — Best for rewards · beginners.
Uni (SBM Bank)
Lifetime free. 1.5X rewards on all spends — Best for rewards · lifetime-free.
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