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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
Visa · IDFC FIRST Bank
3X on online; 2X offline — Best for online-shopping · rewards.
Annual fee
₹1,000
Visa · SBI Card
5X reward points on BPCL fuel — Best for fuel.
Annual fee
₹1,499
Federal Bank
Annual Fee
Lifetime Free
Reward Rate
2X rewards on UPI
Welcome Benefit
—
IDFC FIRST Bank
Annual Fee
₹1,000
Reward Rate
3X on online; 2X offline
Welcome Benefit
—
SBI Card
Annual Fee
₹1,499
Reward Rate
5X reward points on BPCL 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 Millennia Credit CardVisa · IDFC FIRST Bank | SBI BPCL Credit CardVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | Federal Bank | IDFC FIRST Bank | SBI Card |
Card | |||
Annual fee | Lifetime FreeBest | ₹1,000 | ₹1,499 |
Joining fee | ₹0Best | ₹1,000 | ₹1,499 |
Reward rate | 2X rewards on UPI | 3X on online; 2X offlineBest | 5X reward points on BPCL fuel |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | RuPay | Visa | Visa |
Best for | rewards, upi, lifetime-free | online-shopping, rewards | fuel |
Apply |
Federal Bank
Lifetime free. 2X rewards on UPI — Best for rewards · upi · lifetime-free.
IDFC FIRST Bank
3X on online; 2X offline — Best for online-shopping · rewards.
SBI Card
5X reward points on BPCL fuel — Best for fuel.
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