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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Mastercard · Axis Bank
15X reward points on all spends — Best for premium · super-premium.
Annual fee
₹50,000
Visa · Niyo (DCB Bank)
Lifetime free. 2X rewards on forex spends — Best for travel · lifetime-free.
Annual fee
Lifetime free
Visa · SBI Card
10X reward points on health — Best for healthcare · rewards.
Annual fee
₹1,499
Axis Bank
Annual Fee
₹50,000
Reward Rate
15X reward points on all spends
Welcome Benefit
—
Niyo (DCB Bank)
Annual Fee
Lifetime Free
Reward Rate
2X rewards on forex spends
Welcome Benefit
—
SBI Card
Annual Fee
₹1,499
Reward Rate
10X reward points on health
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 Reserve Credit CardMastercard · Axis Bank | Niyo Global Credit CardVisa · Niyo (DCB Bank) | SBI Card PulseVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | Axis Bank | Niyo (DCB Bank) | SBI Card |
Card | |||
Annual fee | ₹50,000 | Lifetime FreeBest | ₹1,499 |
Joining fee | ₹50,000 | ₹0Best | ₹1,499 |
Reward rate | 15X reward points on all spendsBest | 2X rewards on forex spends | 10X reward points on health |
Welcome benefit | — | — | — |
Lifetime free | No | YesBest | No |
Network | Mastercard | Visa | Visa |
Best for | premium, super-premium | travel, lifetime-free | healthcare, rewards |
Apply |
Axis Bank
15X reward points on all spends — Best for premium · super-premium.
Niyo (DCB Bank)
Lifetime free. 2X rewards on forex spends — Best for travel · lifetime-free.
SBI Card
10X reward points on health — Best for healthcare · rewards.
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