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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
5,000 IndiGo BluChips & 6E Eats voucher
Annual fee
₹4,500
Visa · Yes Bank
12 reward points per ₹200 — Best for premium · rewards.
Annual fee
₹5,000
IDFC FIRST Bank
Annual Fee
₹5,000
Reward Rate
10X reward points on all spends
Welcome Benefit
—
SBI Card
Annual Fee
₹4,500
Reward Rate
5 IndiGo BluChips per ₹100 on IndiGo transactions; 2 BluChips per ₹100 on dining, grocery, entertainment
Welcome Benefit
Welcome gift of 5,000 IndiGo BluChips + 6E Eats voucher
Yes Bank
Annual Fee
₹5,000
Reward Rate
12 reward points per ₹200
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 | IndiGo SBI Card ELITEVisa · SBI Card | Yes Bank YES First Preferred Credit CardVisa · Yes Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | IDFC FIRST Bank | SBI Card | Yes Bank |
Card | |||
Annual fee | ₹5,000 | ₹4,500Best | ₹5,000 |
Joining fee | ₹5,000 | ₹4,500Best | ₹5,000 |
Reward rate | 10X reward points on all spends | 5 IndiGo BluChips per ₹100 on IndiGo transactions; 2 BluChips per ₹100 on dining, grocery, entertainmentBest | 12 reward points per ₹200 |
Welcome benefit | — | Welcome gift of 5,000 IndiGo BluChips + 6E Eats voucher | — |
Lifetime free | No | No | No |
Network | Mastercard | Visa | Visa |
Best for | rewards, premium | airlines, travel, premium | premium, rewards |
Apply |
IDFC FIRST Bank
10X reward points on all spends — Best for rewards · premium.
SBI Card
5,000 IndiGo BluChips & 6E Eats voucher
Yes Bank
12 reward points per ₹200 — Best for premium · rewards.
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