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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 · RBL Bank
Lifetime free. 2X reward points on online — Best for online-shopping · lifetime-free.
Annual fee
Lifetime free
Visa · Uni (SBM Bank)
Lifetime free. 1.5X rewards on all spends — Best for rewards · lifetime-free.
Annual fee
Lifetime free
IDFC FIRST Bank
Annual Fee
₹5,000
Reward Rate
10X reward points on all spends
Welcome Benefit
—
RBL Bank
Annual Fee
Lifetime Free
Reward Rate
2X reward points on online
Welcome Benefit
—
Uni (SBM Bank)
Annual Fee
Lifetime Free
Reward Rate
1.5X rewards on all spends
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 | IDFC FIRST Ashva Credit CardMastercard · IDFC FIRST Bank | RBL Bank ShopRite Credit CardMastercard · RBL Bank | Uni Credit CardVisa · Uni (SBM Bank) |
|---|---|---|---|
Card image |  |  |  |
Provider | IDFC FIRST Bank | RBL Bank | Uni (SBM Bank) |
Card | |||
Annual fee | ₹5,000 | Lifetime Free | Lifetime Free |
Joining fee | ₹5,000 | ₹0 | ₹0 |
Reward rate | 10X reward points on all spendsBest | 2X reward points on online | 1.5X rewards on all spends |
Welcome benefit | — | — | — |
Lifetime free | No | Yes | Yes |
Network | Mastercard | Mastercard | Visa |
Best for | rewards, premium | online-shopping, lifetime-free | rewards, lifetime-free |
Apply |
IDFC FIRST Bank
10X reward points on all spends — Best for rewards · premium.
RBL Bank
Lifetime free. 2X reward points on online — Best for online-shopping · lifetime-free.
Uni (SBM Bank)
Lifetime free. 1.5X rewards on all spends — Best for rewards · lifetime-free.
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