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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
1-year FITPASS PRO + Apollo 24|7 e-Gift Voucher
Annual fee
₹1,499
Visa · Standard Chartered
5% cashback on utilities — Best for bill-payments.
Annual fee
₹750
IDFC FIRST Bank
Annual Fee
₹5,000
Reward Rate
10X reward points on all spends
Welcome Benefit
—
SBI Card
Annual Fee
₹1,499
Reward Rate
5 reward points per ₹100 on Apollo 24|7, pharmacy, and hospital spends; 1 reward point per ₹100 elsewhere
Welcome Benefit
1-year FITPASS PRO membership + Apollo 24|7 e-Gift Voucher on joining
Standard Chartered
Annual Fee
₹750
Reward Rate
5% cashback on utilities
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 | Apollo SBI Card SELECTVisa · SBI Card | Standard Chartered Super ValueTitanium Credit CardVisa · Standard Chartered |
|---|---|---|---|
Card image |  |  |  |
Provider | IDFC FIRST Bank | SBI Card | Standard Chartered |
Card | |||
Annual fee | ₹5,000 | ₹1,499 | ₹750Best |
Joining fee | ₹5,000 | ₹1,499 | ₹750Best |
Reward rate | 10X reward points on all spends | 5 reward points per ₹100 on Apollo 24|7, pharmacy, and hospital spends; 1 reward point per ₹100 elsewhereBest | 5% cashback on utilities |
Welcome benefit | — | 1-year FITPASS PRO membership + Apollo 24|7 e-Gift Voucher on joining | — |
Lifetime free | No | No | No |
Network | Mastercard | Visa | Visa |
Best for | rewards, premium | healthcare, lifestyle | bill-payments |
Apply |
IDFC FIRST Bank
10X reward points on all spends — Best for rewards · premium.
SBI Card
1-year FITPASS PRO + Apollo 24|7 e-Gift Voucher
Standard Chartered
5% cashback on utilities — Best for bill-payments.
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