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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · Axis Bank
5% on Flipkart/Myntra; 1.5% on others — Best for flipkart · online-shopping.
Annual fee
₹500
Visa · IDFC FIRST Bank
Lifetime free. 3X on top categories; 1X others — Best for lifetime-free · rewards · lounge-access.
Annual fee
Lifetime free
Visa · IDFC FIRST Bank
Lifetime free. 3X rewards + wealth benefits — Best for lifetime-free · rewards · premium.
Annual fee
Lifetime free
Axis Bank
Annual Fee
₹500
Reward Rate
5% on Flipkart/Myntra; 1.5% on others
Welcome Benefit
—
IDFC FIRST Bank
Annual Fee
Lifetime Free
Reward Rate
3X on top categories; 1X others
Welcome Benefit
—
IDFC FIRST Bank
Annual Fee
Lifetime Free
Reward Rate
3X rewards + wealth benefits
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 Flipkart Credit CardVisa · Axis Bank | IDFC FIRST Select Credit CardVisa · IDFC FIRST Bank | IDFC FIRST Wealth Credit CardVisa · IDFC FIRST Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | Axis Bank | IDFC FIRST Bank | IDFC FIRST Bank |
Card | |||
Annual fee | ₹500 | Lifetime Free | Lifetime Free |
Joining fee | ₹500 | ₹0 | ₹0 |
Reward rate | 5% on Flipkart/Myntra; 1.5% on othersBest | 3X on top categories; 1X others | 3X rewards + wealth benefits |
Welcome benefit | — | — | — |
Lifetime free | No | Yes | Yes |
Network | Visa | Visa | Visa |
Best for | flipkart, online-shopping | lifetime-free, rewards, lounge-access | lifetime-free, rewards, premium |
Apply |
Axis Bank
5% on Flipkart/Myntra; 1.5% on others — Best for flipkart · online-shopping.
IDFC FIRST Bank
Lifetime free. 3X on top categories; 1X others — Best for lifetime-free · rewards · lounge-access.
IDFC FIRST Bank
Lifetime free. 3X rewards + wealth benefits — Best for lifetime-free · rewards · premium.
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