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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Mastercard · DBS Bank India
10% cashback on online — Best for online-shopping · cashback.
Annual fee
₹500
Visa · SBI Card
Welcome gift of 2,500 IndiGo BluChips
Annual fee
Lifetime free
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
₹500
Reward Rate
10% cashback on online
Welcome Benefit
—
SBI Card
Annual Fee
Lifetime Free
Reward Rate
2 IndiGo BluChips per ₹100 on IndiGo transactions; 1 BluChip per ₹100 on other spends
Welcome Benefit
Welcome gift of up to 2,500 IndiGo BluChips on joining
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 Shop Easy Credit CardMastercard · DBS Bank India | IndiGo SBI CardVisa · SBI Card | Uni Credit CardVisa · Uni (SBM Bank) |
|---|---|---|---|
Card image |  |  |  |
Provider | DBS Bank India | SBI Card | Uni (SBM Bank) |
Card | |||
Annual fee | ₹500 | Lifetime Free | Lifetime Free |
Joining fee | ₹500 | ₹0 | ₹0 |
Reward rate | 10% cashback on online | 2 IndiGo BluChips per ₹100 on IndiGo transactions; 1 BluChip per ₹100 on other spendsBest | 1.5X rewards on all spends |
Welcome benefit | — | Welcome gift of up to 2,500 IndiGo BluChips on joining | — |
Lifetime free | No | Yes | Yes |
Network | Mastercard | Visa | Visa |
Best for | online-shopping, cashback | airlines, travel | rewards, lifetime-free |
Apply |
DBS Bank India
10% cashback on online — Best for online-shopping · cashback.
SBI Card
Welcome gift of 2,500 IndiGo BluChips
Uni (SBM Bank)
Lifetime free. 1.5X rewards on all spends — Best for rewards · lifetime-free.
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