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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 · IDFC FIRST Bank
10X reward points on all spends — Best for rewards · premium.
Annual fee
₹5,000
Visa · IndusInd Bank
1 reward point per ₹100 — Best for fuel · rewards.
Annual fee
₹500
DBS Bank India
Annual Fee
Lifetime Free
Reward Rate
5X on online & 2X offline
Welcome Benefit
—
IDFC FIRST Bank
Annual Fee
₹5,000
Reward Rate
10X reward points on all spends
Welcome Benefit
—
IndusInd Bank
Annual Fee
₹500
Reward Rate
1 reward point per ₹100
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 | IDFC FIRST Ashva Credit CardMastercard · IDFC FIRST Bank | IndusInd Bank Celeste Credit CardVisa · IndusInd Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | DBS Bank India | IDFC FIRST Bank | IndusInd Bank |
Card | |||
Annual fee | Lifetime FreeBest | ₹5,000 | ₹500 |
Joining fee | ₹0Best | ₹5,000 | ₹500 |
Reward rate | 5X on online & 2X offline | 10X reward points on all spends | 1 reward point per ₹100Best |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | Mastercard | Mastercard | Visa |
Best for | online-shopping, lifetime-free | rewards, premium | fuel, rewards |
Apply |
DBS Bank India
Lifetime free. 5X on online & 2X offline — Best for online-shopping · lifetime-free.
IDFC FIRST Bank
10X reward points on all spends — Best for rewards · premium.
IndusInd Bank
1 reward point per ₹100 — Best for fuel · rewards.
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