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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Mastercard · IDFC FIRST Bank
10X reward points on all spends — Best for rewards · premium.
Annual fee
₹5,000
Mastercard · Kotak Mahindra Bank
Lifetime free. 2X rewards on online spends — Best for online-shopping · lifetime-free.
Annual fee
Lifetime free
Visa · SBI Card
Welcome gift of 2,500 IndiGo BluChips
Annual fee
Lifetime free
IDFC FIRST Bank
Annual Fee
₹5,000
Reward Rate
10X reward points on all spends
Welcome Benefit
—
Kotak Mahindra Bank
Annual Fee
Lifetime Free
Reward Rate
2X rewards on online spends
Welcome Benefit
—
SBI Card
Annual Fee
Lifetime Free
Reward Rate
2 IndiGo BluChips per ₹100 on IndiGo transactions; 1 BluChip per ₹100 on other spends
Welcome Benefit
Welcome gift of up to 2,500 IndiGo BluChips on joining
Side by side
Every fee, reward and benefit in one place — the winning card in each row is marked with a check.
CategoryFeature | IDFC FIRST Ashva Credit CardMastercard · IDFC FIRST Bank | Kotak MOJO Credit CardMastercard · Kotak Mahindra Bank | IndiGo SBI CardVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | IDFC FIRST Bank | Kotak Mahindra Bank | SBI Card |
Card | |||
Annual fee | ₹5,000 | Lifetime Free | Lifetime Free |
Joining fee | ₹5,000 | ₹0 | ₹0 |
Reward rate | 10X reward points on all spends | 2X rewards on online spends | 2 IndiGo BluChips per ₹100 on IndiGo transactions; 1 BluChip per ₹100 on other spendsBest |
Welcome benefit | — | — | Welcome gift of up to 2,500 IndiGo BluChips on joining |
Lifetime free | No | Yes | Yes |
Network | Mastercard | Mastercard | Visa |
Best for | rewards, premium | online-shopping, lifetime-free | airlines, travel |
Apply |
IDFC FIRST Bank
10X reward points on all spends — Best for rewards · premium.
Kotak Mahindra Bank
Lifetime free. 2X rewards on online spends — Best for online-shopping · lifetime-free.
SBI Card
Welcome gift of 2,500 IndiGo BluChips
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