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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% reward on Yatra spends — Best for travel.
Annual fee
₹999
Mastercard · Standard Chartered
5X on travel & dining — Best for travel · dining.
Annual fee
₹2,500
IDFC FIRST Bank
Annual Fee
₹5,000
Reward Rate
10X reward points on all spends
Welcome Benefit
—
SBI Card
Annual Fee
₹999
Reward Rate
5% reward on Yatra spends
Welcome Benefit
—
Standard Chartered
Annual Fee
₹2,500
Reward Rate
5X on travel & dining
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 Card YatraVisa · SBI Card | Standard Chartered Journey Credit CardMastercard · Standard Chartered |
|---|---|---|---|
Card image |  |  |  |
Provider | IDFC FIRST Bank | SBI Card | Standard Chartered |
Card | |||
Annual fee | ₹5,000 | ₹999Best | ₹2,500 |
Joining fee | ₹5,000 | ₹999Best | ₹2,500 |
Reward rate | 10X reward points on all spendsBest | 5% reward on Yatra spends | 5X on travel & dining |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | Mastercard | Visa | Mastercard |
Best for | rewards, premium | travel | travel, dining |
Apply |
IDFC FIRST Bank
10X reward points on all spends — Best for rewards · premium.
SBI Card
5% reward on Yatra spends — Best for travel.
Standard Chartered
5X on travel & dining — Best for travel · dining.
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