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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
Visa · SBI Card
2 reward points per ₹100 — Best for rewards.
Annual fee
₹500
Mastercard · SBI Card
5% cashback on top online brands; 1% on others — Best for cashback · online-shopping.
Annual fee
₹999
IDFC FIRST Bank
Annual Fee
₹5,000
Reward Rate
10X reward points on all spends
Welcome Benefit
—
SBI Card
Annual Fee
₹500
Reward Rate
2 reward points per ₹100
Welcome Benefit
—
SBI Card
Annual Fee
₹999
Reward Rate
5% cashback on top online brands; 1% 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 | IDFC FIRST Ashva Credit CardMastercard · IDFC FIRST Bank | SBI ApL Platinum Credit CardVisa · SBI Card | SBI Cashback Credit CardMastercard · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | IDFC FIRST Bank | SBI Card | SBI Card |
Card | |||
Annual fee | ₹5,000 | ₹500Best | ₹999 |
Joining fee | ₹5,000 | ₹500Best | ₹999 |
Reward rate | 10X reward points on all spends | 2 reward points per ₹100Best | 5% cashback on top online brands; 1% on others |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | Mastercard | Visa | Mastercard |
Best for | rewards, premium | rewards | cashback, online-shopping |
Apply |
IDFC FIRST Bank
10X reward points on all spends — Best for rewards · premium.
SBI Card
2 reward points per ₹100 — Best for rewards.
SBI Card
5% cashback on top online brands; 1% on others — Best for cashback · online-shopping.
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