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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 · Uni (SBM Bank)
Lifetime free. 2X rewards on UPI — Best for upi · cashback · lifetime-free.
Annual fee
Lifetime free
Visa · Yes Bank
15 reward points per ₹200 — Best for premium · rewards.
Annual fee
₹10,000
IDFC FIRST Bank
Annual Fee
Lifetime Free
Reward Rate
3X reward points on all spends
Welcome Benefit
—
Uni (SBM Bank)
Annual Fee
Lifetime Free
Reward Rate
2X rewards on UPI
Welcome Benefit
—
Yes Bank
Annual Fee
₹10,000
Reward Rate
15 reward points per ₹200
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 | Uni Pay Credit CardVisa · Uni (SBM Bank) | Yes Bank YES First Exclusive Credit CardVisa · Yes Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | IDFC FIRST Bank | Uni (SBM Bank) | Yes Bank |
Card | |||
Annual fee | Lifetime Free | Lifetime Free | ₹10,000 |
Joining fee | ₹0 | ₹0 | ₹10,000 |
Reward rate | 3X reward points on all spends | 2X rewards on UPI | 15 reward points per ₹200Best |
Welcome benefit | — | — | — |
Lifetime free | Yes | Yes | No |
Network | Visa | Visa | Visa |
Best for | lifetime-free, rewards, beginners | upi, cashback, lifetime-free | premium, rewards |
Apply |
IDFC FIRST Bank
Lifetime free. 3X reward points on all spends — Best for lifetime-free · rewards · beginners.
Uni (SBM Bank)
Lifetime free. 2X rewards on UPI — Best for upi · cashback · lifetime-free.
Yes Bank
15 reward points per ₹200 — Best for premium · rewards.
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