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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Mastercard · DBS Bank India
Lifetime free. 5X on online & 2X offline — Best for online-shopping · lifetime-free.
Annual fee
Lifetime free
Mastercard · HDFC Bank
2 reward points per ₹150 — Best for rewards · everyday.
Annual fee
₹500
Visa · SBI Card
1-year FITPASS PRO + Apollo 24|7 e-Gift Voucher
Annual fee
₹1,499
DBS Bank India
Annual Fee
Lifetime Free
Reward Rate
5X on online & 2X offline
Welcome Benefit
—
HDFC Bank
Annual Fee
₹500
Reward Rate
2 reward points per ₹150
Welcome Benefit
—
SBI Card
Annual Fee
₹1,499
Reward Rate
5 reward points per ₹100 on Apollo 24|7, pharmacy, and hospital spends; 1 reward point per ₹100 elsewhere
Welcome Benefit
1-year FITPASS PRO membership + Apollo 24|7 e-Gift Voucher on joining
Side by side
Every fee, reward and benefit in one place — the winning card in each row is marked with a check.
CategoryFeature | DBS Live Fresh Credit CardMastercard · DBS Bank India | HDFC Bank Bharat Credit CardMastercard · HDFC Bank | Apollo SBI Card SELECTVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | DBS Bank India | HDFC Bank | SBI Card |
Card | |||
Annual fee | Lifetime FreeBest | ₹500 | ₹1,499 |
Joining fee | ₹0Best | ₹500 | ₹1,499 |
Reward rate | 5X on online & 2X offline | 2 reward points per ₹150 | 5 reward points per ₹100 on Apollo 24|7, pharmacy, and hospital spends; 1 reward point per ₹100 elsewhereBest |
Welcome benefit | — | — | 1-year FITPASS PRO membership + Apollo 24|7 e-Gift Voucher on joining |
Lifetime free | YesBest | No | No |
Network | Mastercard | Mastercard | Visa |
Best for | online-shopping, lifetime-free | rewards, everyday | healthcare, lifestyle |
Apply |
DBS Bank India
Lifetime free. 5X on online & 2X offline — Best for online-shopping · lifetime-free.
HDFC Bank
2 reward points per ₹150 — Best for rewards · everyday.
SBI Card
1-year FITPASS PRO + Apollo 24|7 e-Gift Voucher
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