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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
RuPay · Federal Bank
Lifetime free. 2X rewards on UPI — Best for rewards · upi · lifetime-free.
Annual fee
Lifetime free
Mastercard · IDFC FIRST Bank
10X reward points on all spends — Best for rewards · premium.
Annual fee
₹5,000
Mastercard · Standard Chartered
5% cashback on fuel — Best for fuel.
Annual fee
₹750
Federal Bank
Annual Fee
Lifetime Free
Reward Rate
2X rewards on UPI
Welcome Benefit
—
IDFC FIRST Bank
Annual Fee
₹5,000
Reward Rate
10X reward points on all spends
Welcome Benefit
—
Standard Chartered
Annual Fee
₹750
Reward Rate
5% cashback on fuel
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 RuPay Credit CardRuPay · Federal Bank | IDFC FIRST Ashva Credit CardMastercard · IDFC FIRST Bank | Standard Chartered Titanium Credit CardMastercard · Standard Chartered |
|---|---|---|---|
Card image |  |  |  |
Provider | Federal Bank | IDFC FIRST Bank | Standard Chartered |
Card | |||
Annual fee | Lifetime FreeBest | ₹5,000 | ₹750 |
Joining fee | ₹0Best | ₹5,000 | ₹750 |
Reward rate | 2X rewards on UPI | 10X reward points on all spendsBest | 5% cashback on fuel |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | RuPay | Mastercard | Mastercard |
Best for | rewards, upi, lifetime-free | rewards, premium | fuel |
Apply |
Federal Bank
Lifetime free. 2X rewards on UPI — Best for rewards · upi · lifetime-free.
IDFC FIRST Bank
10X reward points on all spends — Best for rewards · premium.
Standard Chartered
5% cashback on fuel — Best for fuel.
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