We use analytics cookies to understand how visitors interact with our site. By continuing you agree to our use of cookies as described in our Privacy Policy.
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
5 reward points per ₹100 — Best for premium.
Annual fee
₹12,500
Visa · Standard Chartered
Lifetime free. 2X rewards on dining — Best for dining · lifetime-free.
Annual fee
Lifetime free
IDFC FIRST Bank
Annual Fee
Lifetime Free
Reward Rate
3X reward points on all spends
Welcome Benefit
—
IndusInd Bank
Annual Fee
₹12,500
Reward Rate
5 reward points per ₹100
Welcome Benefit
—
Standard Chartered
Annual Fee
Lifetime Free
Reward Rate
2X rewards on 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 Classic Credit CardVisa · IDFC FIRST Bank | IndusInd Bank Pinnacle Credit CardVisa · IndusInd Bank | Standard Chartered Smart Credit CardVisa · Standard Chartered |
|---|---|---|---|
Card image |  |  |  |
Provider | IDFC FIRST Bank | IndusInd Bank | Standard Chartered |
Card | |||
Annual fee | Lifetime Free | ₹12,500 | Lifetime Free |
Joining fee | ₹0 | ₹12,500 | ₹0 |
Reward rate | 3X reward points on all spends | 5 reward points per ₹100Best | 2X rewards on dining |
Welcome benefit | — | — | — |
Lifetime free | Yes | No | Yes |
Network | Visa | Visa | Visa |
Best for | lifetime-free, rewards, beginners | premium | dining, lifetime-free |
Apply |
IDFC FIRST Bank
Lifetime free. 3X reward points on all spends — Best for lifetime-free · rewards · beginners.
IndusInd Bank
5 reward points per ₹100 — Best for premium.
Standard Chartered
Lifetime free. 2X rewards on dining — Best for dining · lifetime-free.
Related Guides
In-depth guides on rewards, lounge access, forex and more.
Related Comparisons
Compare any two cards side-by-side across 140+ issuers.
