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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · Axis Bank
12000 bonus points on ₹1L monthly; 5X on travel — Best for premium · travel · lounge-access.
Annual fee
₹12,500
Mastercard · DBS Bank India
Lifetime free. 5X on online & 2X offline — Best for online-shopping · lifetime-free.
Annual fee
Lifetime free
Mastercard · IDFC FIRST Bank
10X reward points on all spends — Best for rewards · premium.
Annual fee
₹5,000
Axis Bank
Annual Fee
₹12,500
Reward Rate
12000 bonus points on ₹1L monthly; 5X on travel
Welcome Benefit
—
DBS Bank India
Annual Fee
Lifetime Free
Reward Rate
5X on online & 2X offline
Welcome Benefit
—
IDFC FIRST Bank
Annual Fee
₹5,000
Reward Rate
10X reward points 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 | Axis Magnus Credit CardVisa · Axis Bank | DBS Live Fresh Credit CardMastercard · DBS Bank India | IDFC FIRST Ashva Credit CardMastercard · IDFC FIRST Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | Axis Bank | DBS Bank India | IDFC FIRST Bank |
Card | |||
Annual fee | ₹12,500 | Lifetime FreeBest | ₹5,000 |
Joining fee | ₹12,500 | ₹0Best | ₹5,000 |
Reward rate | 12000 bonus points on ₹1L monthly; 5X on travelBest | 5X on online & 2X offline | 10X reward points on all spends |
Welcome benefit | — | — | — |
Lifetime free | No | YesBest | No |
Network | Visa | Mastercard | Mastercard |
Best for | premium, travel, lounge-access | online-shopping, lifetime-free | rewards, premium |
Apply |
Axis Bank
12000 bonus points on ₹1L monthly; 5X on travel — Best for premium · travel · lounge-access.
DBS Bank India
Lifetime free. 5X on online & 2X offline — Best for online-shopping · lifetime-free.
IDFC FIRST Bank
10X reward points on all spends — Best for rewards · premium.
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