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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Mastercard · Axis Bank
5 EDGE Miles per ₹100 on travel via SmartHub; 2 elsewhere — 8+8 lounge visits per year
Annual fee
₹5,000
Visa · Niyo (DCB Bank)
Lifetime free. 2X rewards on forex spends — Best for travel · lifetime-free.
Annual fee
Lifetime free
Visa · SBI Card
2 reward points per ₹100 — Best for rewards.
Annual fee
₹500
Axis Bank
Annual Fee
₹5,000
Reward Rate
5 EDGE miles per ₹100 on travel; 2 elsewhere
Welcome Benefit
5,000 EDGE Miles on first txn within 30 days
Niyo (DCB Bank)
Annual Fee
Lifetime Free
Reward Rate
2X rewards on forex spends
Welcome Benefit
—
SBI Card
Annual Fee
₹500
Reward Rate
2 reward points per ₹100
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 | Axis Atlas Credit CardMastercard · Axis Bank | Niyo Global Credit CardVisa · Niyo (DCB Bank) | SBI ApL Platinum Credit CardVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | Axis Bank | Niyo (DCB Bank) | SBI Card |
Card | |||
Annual fee | ₹5,000 | Lifetime FreeBest | ₹500 |
Joining fee | ₹5,000 | ₹0Best | ₹500 |
Reward rate | 5 EDGE miles per ₹100 on travel; 2 elsewhereBest | 2X rewards on forex spends | 2 reward points per ₹100 |
Welcome benefit | 5,000 EDGE Miles on first txn within 30 days | — | — |
Lifetime free | No | YesBest | No |
Network | Mastercard | Visa | Visa |
Best for | travel, miles | travel, lifetime-free | rewards |
Apply |
Axis Bank
5 EDGE Miles per ₹100 on travel via SmartHub; 2 elsewhere — 8+8 lounge visits per year
Niyo (DCB Bank)
Lifetime free. 2X rewards on forex spends — Best for travel · lifetime-free.
SBI Card
2 reward points per ₹100 — Best for rewards.
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