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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · Federal Bank
Lifetime free. 1 reward point per ₹100 — Best for lifetime-free · rewards.
Annual fee
Lifetime free
Visa · HDFC Bank
5X rewards on PayZapp — Best for online-shopping · cashback.
Annual fee
₹500
Visa · SBI Card
Welcome gift of 2,500 IndiGo BluChips
Annual fee
Lifetime free
Federal Bank
Annual Fee
Lifetime Free
Reward Rate
1 reward point per ₹100
Welcome Benefit
—
HDFC Bank
Annual Fee
₹500
Reward Rate
5X rewards on PayZapp
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
Side by side
Every fee, reward and benefit in one place — the winning card in each row is marked with a check.
CategoryFeature | Federal Bank Celebration Credit CardVisa · Federal Bank | HDFC Bank PayZapp Credit CardVisa · HDFC Bank | IndiGo SBI CardVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | Federal Bank | HDFC Bank | SBI Card |
Card | |||
Annual fee | Lifetime Free | ₹500 | Lifetime Free |
Joining fee | ₹0 | ₹500 | ₹0 |
Reward rate | 1 reward point per ₹100 | 5X rewards on PayZapp | 2 IndiGo BluChips per ₹100 on IndiGo transactions; 1 BluChip per ₹100 on other spendsBest |
Welcome benefit | — | — | Welcome gift of up to 2,500 IndiGo BluChips on joining |
Lifetime free | Yes | No | Yes |
Network | Visa | Visa | Visa |
Best for | lifetime-free, rewards | online-shopping, cashback | airlines, travel |
Apply |
Federal Bank
Lifetime free. 1 reward point per ₹100 — Best for lifetime-free · rewards.
HDFC Bank
5X rewards on PayZapp — Best for online-shopping · cashback.
SBI Card
Welcome gift of 2,500 IndiGo BluChips
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