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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · Federal Bank
2 reward points per ₹100 — Best for rewards.
Annual fee
₹1,500
Mastercard · IDFC FIRST Bank
10X reward points on all spends — Best for rewards · premium.
Annual fee
₹5,000
Visa · IDFC FIRST Bank
Lifetime free. 3X on top categories; 1X others — Best for lifetime-free · rewards · lounge-access.
Annual fee
Lifetime free
Federal Bank
Annual Fee
₹1,500
Reward Rate
2 reward points per ₹100
Welcome Benefit
—
IDFC FIRST Bank
Annual Fee
₹5,000
Reward Rate
10X reward points on all spends
Welcome Benefit
—
IDFC FIRST Bank
Annual Fee
Lifetime Free
Reward Rate
3X on top categories; 1X 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 Visa Signature Credit CardVisa · Federal Bank | IDFC FIRST Ashva Credit CardMastercard · IDFC FIRST Bank | IDFC FIRST Select Credit CardVisa · IDFC FIRST Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | Federal Bank | IDFC FIRST Bank | IDFC FIRST Bank |
Card | |||
Annual fee | ₹1,500 | ₹5,000 | Lifetime FreeBest |
Joining fee | ₹1,500 | ₹5,000 | ₹0Best |
Reward rate | 2 reward points per ₹100Best | 10X reward points on all spends | 3X on top categories; 1X others |
Welcome benefit | — | — | — |
Lifetime free | No | No | YesBest |
Network | Visa | Mastercard | Visa |
Best for | rewards | rewards, premium | lifetime-free, rewards, lounge-access |
Apply |
Federal Bank
2 reward points per ₹100 — Best for rewards.
IDFC FIRST Bank
10X reward points on all spends — Best for rewards · premium.
IDFC FIRST Bank
Lifetime free. 3X on top categories; 1X others — Best for lifetime-free · rewards · lounge-access.
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