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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 · SBI Card
5X rewards on dining, departmental stores & grocery. 8 domestic + 6 international lounge visits. 1.99% lowest forex markup.
Annual fee
₹4,999
Visa · slice (SBM Bank)
Lifetime free. 2X rewards on online spends — Best for online-shopping · lifetime-free.
Annual fee
Lifetime free
IDFC FIRST Bank
Annual Fee
Lifetime Free
Reward Rate
3X reward points on all spends
Welcome Benefit
—
SBI Card
Annual Fee
₹4,999
Reward Rate
5 Reward Points per ₹100 on dining, departmental stores and grocery; 2 Reward Points per ₹100 on all other retail spends; 1 Reward Point = Re. 0.25
Welcome Benefit
Up to 5,000 Bonus Reward Points as welcome gift on payment of joining fee, plus complimentary 1-year Club ITC Silver Tier membership on first transaction within 60 days of card activation.
slice (SBM Bank)
Annual Fee
Lifetime Free
Reward Rate
2X rewards on online spends
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 | SBI Card ELITEVisa · SBI Card | slice Credit CardVisa · slice (SBM Bank) |
|---|---|---|---|
Card image |  |  |  |
Provider | IDFC FIRST Bank | SBI Card | slice (SBM Bank) |
Card | |||
Annual fee | Lifetime Free | ₹4,999 | Lifetime Free |
Joining fee | ₹0 | ₹4,999 | ₹0 |
Reward rate | 3X reward points on all spends | 5 Reward Points per ₹100 on dining, departmental stores and grocery; 2 Reward Points per ₹100 on all other retail spends; 1 Reward Point = Re. 0.25Best | 2X rewards on online spends |
Welcome benefit | — | Up to 5,000 Bonus Reward Points as welcome gift on payment of joining fee, plus complimentary 1-year Club ITC Silver Tier membership on first transaction within 60 days of card activation. | — |
Lifetime free | Yes | No | Yes |
Network | Visa | Visa | Visa |
Best for | lifetime-free, rewards, beginners | premium, lounge-access, dining, forex, milestone | online-shopping, lifetime-free |
Apply |
IDFC FIRST Bank
Lifetime free. 3X reward points on all spends — Best for lifetime-free · rewards · beginners.
SBI Card
5X rewards on dining, departmental stores & grocery. 8 domestic + 6 international lounge visits. 1.99% lowest forex markup.
slice (SBM Bank)
Lifetime free. 2X rewards on online spends — Best for online-shopping · lifetime-free.
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