We use analytics cookies to understand how visitors interact with our site. By continuing you agree to our use of cookies as described in our Privacy Policy.
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 · Uni (SBM Bank)
Lifetime free. 1.5X rewards on all spends — Best for rewards · lifetime-free.
Annual fee
Lifetime free
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
—
Uni (SBM Bank)
Annual Fee
Lifetime Free
Reward Rate
1.5X rewards on all 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 | IDFC FIRST Ashva Credit CardMastercard · IDFC FIRST Bank | Uni Credit CardVisa · Uni (SBM Bank) |
|---|---|---|---|
Card image |  |  |  |
Provider | DBS Bank India | IDFC FIRST Bank | Uni (SBM Bank) |
Card | |||
Annual fee | Lifetime Free | ₹5,000 | Lifetime Free |
Joining fee | ₹0 | ₹5,000 | ₹0 |
Reward rate | 5X on online & 2X offlineBest | 10X reward points on all spends | 1.5X rewards on all spends |
Welcome benefit | — | — | — |
Lifetime free | Yes | No | Yes |
Network | Mastercard | Mastercard | Visa |
Best for | online-shopping, lifetime-free | rewards, premium | rewards, lifetime-free |
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.
Uni (SBM Bank)
Lifetime free. 1.5X rewards on all spends — Best for rewards · lifetime-free.
Related Guides
In-depth guides on rewards, lounge access, forex and more.
Related Comparisons
Compare any two cards side-by-side across 140+ issuers.
