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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
Lifetime free. 3X on top categories; 1X others — Best for lifetime-free · rewards · lounge-access.
Annual fee
Lifetime free
Visa · SBI Card
10X rewards on partner online brands; 1X on others — Best for online-shopping · rewards.
Annual fee
₹499
Federal Bank
Annual Fee
Lifetime Free
Reward Rate
2X rewards on UPI
Welcome Benefit
—
IDFC FIRST Bank
Annual Fee
Lifetime Free
Reward Rate
3X on top categories; 1X others
Welcome Benefit
—
SBI Card
Annual Fee
₹499
Reward Rate
10X rewards on partner online brands; 1X on others
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 Select Credit CardVisa · IDFC FIRST Bank | SBI SimplyCLICK Credit CardVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | Federal Bank | IDFC FIRST Bank | SBI Card |
Card | |||
Annual fee | Lifetime Free | Lifetime Free | ₹499 |
Joining fee | ₹0 | ₹0 | ₹499 |
Reward rate | 2X rewards on UPI | 3X on top categories; 1X others | 10X rewards on partner online brands; 1X on othersBest |
Welcome benefit | — | — | — |
Lifetime free | Yes | Yes | No |
Network | RuPay | Visa | Visa |
Best for | rewards, upi, lifetime-free | lifetime-free, rewards, lounge-access | online-shopping, rewards |
Apply |
Federal Bank
Lifetime free. 2X rewards on UPI — Best for rewards · upi · lifetime-free.
IDFC FIRST Bank
Lifetime free. 3X on top categories; 1X others — Best for lifetime-free · rewards · lounge-access.
SBI Card
10X rewards on partner online brands; 1X on others — Best for online-shopping · rewards.
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