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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 rewards + wealth benefits — Best for lifetime-free · rewards · premium.
Annual fee
Lifetime free
Visa · SBI Card
7.5% cashback on Myntra, 5% cashback on Flipkart
Annual fee
₹500
Axis Bank
Annual Fee
₹500
Reward Rate
2X rewards on UPI spends
Welcome Benefit
—
IDFC FIRST Bank
Annual Fee
Lifetime Free
Reward Rate
3X rewards + wealth benefits
Welcome Benefit
—
SBI Card
Annual Fee
₹500
Reward Rate
7.5% cashback on Myntra; 5% cashback on Flipkart; 1% cashback on all other spends
Welcome Benefit
Welcome cashback worth ₹500 on first transaction
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 Wealth Credit CardVisa · IDFC FIRST Bank | Flipkart SBI CardVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | Axis Bank | IDFC FIRST Bank | SBI Card |
Card | |||
Annual fee | ₹500 | Lifetime FreeBest | ₹500 |
Joining fee | ₹500 | ₹0Best | ₹500 |
Reward rate | 2X rewards on UPI spends | 3X rewards + wealth benefits | 7.5% cashback on Myntra; 5% cashback on Flipkart; 1% cashback on all other spendsBest |
Welcome benefit | — | — | Welcome cashback worth ₹500 on first transaction |
Lifetime free | No | YesBest | No |
Network | RuPay | Visa | Visa |
Best for | rewards, upi | lifetime-free, rewards, premium | flipkart, online-shopping, cashback |
Apply |
Axis Bank
2X rewards on UPI spends — Best for rewards · upi.
IDFC FIRST Bank
Lifetime free. 3X rewards + wealth benefits — Best for lifetime-free · rewards · premium.
SBI Card
7.5% cashback on Myntra, 5% cashback on Flipkart
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