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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
RuPay · HDFC Bank
2X reward points on UPI spends — Best for rewards · upi.
Annual fee
₹500
Visa · SBI Card
5% reward on Yatra spends — Best for travel.
Annual fee
₹999
DBS Bank India
Annual Fee
Lifetime Free
Reward Rate
5X on online & 2X offline
Welcome Benefit
—
HDFC Bank
Annual Fee
₹500
Reward Rate
2X reward points on UPI spends
Welcome Benefit
—
SBI Card
Annual Fee
₹999
Reward Rate
5% reward on Yatra 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 | DBS Live Fresh Credit CardMastercard · DBS Bank India | HDFC Bank RuPay Credit CardRuPay · HDFC Bank | SBI Card YatraVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | DBS Bank India | HDFC Bank | SBI Card |
Card | |||
Annual fee | Lifetime FreeBest | ₹500 | ₹999 |
Joining fee | ₹0Best | ₹500 | ₹999 |
Reward rate | 5X on online & 2X offlineBest | 2X reward points on UPI spends | 5% reward on Yatra spends |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | Mastercard | RuPay | Visa |
Best for | online-shopping, lifetime-free | rewards, upi | travel |
Apply |
DBS Bank India
Lifetime free. 5X on online & 2X offline — Best for online-shopping · lifetime-free.
HDFC Bank
2X reward points on UPI spends — Best for rewards · upi.
SBI Card
5% reward on Yatra spends — Best for travel.
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