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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
RuPay · Axis Bank
2X rewards on UPI spends — Best for rewards · upi.
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 · SBI Card
10X reward points on health — Best for healthcare · rewards.
Annual fee
₹1,499
Axis Bank
Annual Fee
₹500
Reward Rate
2X rewards on UPI spends
Welcome Benefit
—
IDFC FIRST Bank
Annual Fee
Lifetime Free
Reward Rate
3X on top categories; 1X others
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 Bank RuPay Credit CardRuPay · Axis Bank | IDFC FIRST Select Credit CardVisa · IDFC FIRST Bank | SBI Card PulseVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | Axis Bank | IDFC FIRST Bank | SBI Card |
Card | |||
Annual fee | ₹500 | Lifetime FreeBest | ₹1,499 |
Joining fee | ₹500 | ₹0Best | ₹1,499 |
Reward rate | 2X rewards on UPI spends | 3X on top categories; 1X othersBest | 10X reward points on health |
Welcome benefit | — | — | — |
Lifetime free | No | YesBest | No |
Network | RuPay | Visa | Visa |
Best for | rewards, upi | lifetime-free, rewards, lounge-access | healthcare, rewards |
Apply |
Axis Bank
2X rewards on UPI spends — Best for rewards · upi.
IDFC FIRST Bank
Lifetime free. 3X on top categories; 1X others — Best for lifetime-free · rewards · lounge-access.
SBI Card
10X reward points on health — Best for healthcare · rewards.
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