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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · IDFC FIRST Bank
Lifetime free. 3X reward points on all spends — Best for lifetime-free · rewards · beginners.
Annual fee
Lifetime free
Visa · IndusInd Bank
1 reward point per ₹100 — Best for fuel · rewards.
Annual fee
₹500
Mastercard · SBI Card
5 reward points per ₹100 — Best for rewards · premium.
Annual fee
₹2,999
IDFC FIRST Bank
Annual Fee
Lifetime Free
Reward Rate
3X reward points on all spends
Welcome Benefit
—
IndusInd Bank
Annual Fee
₹500
Reward Rate
1 reward point per ₹100
Welcome Benefit
—
SBI Card
Annual Fee
₹2,999
Reward Rate
5 reward points per ₹100
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 Classic Credit CardVisa · IDFC FIRST Bank | IndusInd Bank Celeste Credit CardVisa · IndusInd Bank | SBI Card PRIMEMastercard · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | IDFC FIRST Bank | IndusInd Bank | SBI Card |
Card | |||
Annual fee | Lifetime FreeBest | ₹500 | ₹2,999 |
Joining fee | ₹0Best | ₹500 | ₹2,999 |
Reward rate | 3X reward points on all spends | 1 reward point per ₹100 | 5 reward points per ₹100Best |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | Visa | Visa | Mastercard |
Best for | lifetime-free, rewards, beginners | fuel, rewards | rewards, premium |
Apply |
IDFC FIRST Bank
Lifetime free. 3X reward points on all spends — Best for lifetime-free · rewards · beginners.
IndusInd Bank
1 reward point per ₹100 — Best for fuel · rewards.
SBI Card
5 reward points per ₹100 — Best for rewards · premium.
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