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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
Mastercard · RBL Bank
5X reward points on all spends — Best for premium · rewards.
Annual fee
₹10,000
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
—
RBL Bank
Annual Fee
₹10,000
Reward Rate
5X reward points on all spends
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 | RBL Bank Infinite Credit CardMastercard · RBL Bank | SBI Card PRIMEMastercard · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | IDFC FIRST Bank | RBL Bank | SBI Card |
Card | |||
Annual fee | Lifetime FreeBest | ₹10,000 | ₹2,999 |
Joining fee | ₹0Best | ₹10,000 | ₹2,999 |
Reward rate | 3X reward points on all spends | 5X reward points on all spends | 5 reward points per ₹100Best |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | Visa | Mastercard | Mastercard |
Best for | lifetime-free, rewards, beginners | premium, rewards | rewards, premium |
Apply |
IDFC FIRST Bank
Lifetime free. 3X reward points on all spends — Best for lifetime-free · rewards · beginners.
RBL Bank
5X reward points on all spends — Best for premium · rewards.
SBI Card
5 reward points per ₹100 — Best for rewards · premium.
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