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.
Visa · Federal Bank
Lifetime free. 1 reward point per ₹100 — Best for lifetime-free · rewards.
Annual fee
Lifetime free
Visa · Niyo (DCB Bank)
Lifetime free. 2X rewards on forex spends — Best for travel · lifetime-free.
Annual fee
Lifetime free
Mastercard · SBI Card
3 reward points per ₹100 — Best for rewards · premium.
Annual fee
₹4,999
Federal Bank
Annual Fee
Lifetime Free
Reward Rate
1 reward point per ₹100
Welcome Benefit
—
Niyo (DCB Bank)
Annual Fee
Lifetime Free
Reward Rate
2X rewards on forex spends
Welcome Benefit
—
SBI Card
Annual Fee
₹4,999
Reward Rate
3 reward points 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 | Federal Bank Celebration Credit CardVisa · Federal Bank | Niyo Global Credit CardVisa · Niyo (DCB Bank) | SBI Card SignatureMastercard · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | Federal Bank | Niyo (DCB Bank) | SBI Card |
Card | |||
Annual fee | Lifetime Free | Lifetime Free | ₹4,999 |
Joining fee | ₹0 | ₹0 | ₹4,999 |
Reward rate | 1 reward point per ₹100 | 2X rewards on forex spends | 3 reward points per ₹100Best |
Welcome benefit | — | — | — |
Lifetime free | Yes | Yes | No |
Network | Visa | Visa | Mastercard |
Best for | lifetime-free, rewards | travel, lifetime-free | rewards, premium |
Apply |
Federal Bank
Lifetime free. 1 reward point per ₹100 — Best for lifetime-free · rewards.
Niyo (DCB Bank)
Lifetime free. 2X rewards on forex spends — Best for travel · lifetime-free.
SBI Card
3 reward points per ₹100 — Best for rewards · premium.
Related Guides
In-depth guides on rewards, lounge access, forex and more.
Related Comparisons
Compare any two cards side-by-side across 140+ issuers.
