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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · IDFC FIRST Bank
3X on online; 2X offline — Best for online-shopping · rewards.
Annual fee
₹1,000
Visa · IDFC FIRST Bank
Lifetime free. 3X on top categories; 1X others — Best for lifetime-free · rewards · lounge-access.
Annual fee
Lifetime free
Mastercard · IndusInd Bank
2X rewards on all spends — Best for rewards.
Annual fee
₹1,500
IDFC FIRST Bank
Annual Fee
₹1,000
Reward Rate
3X on online; 2X offline
Welcome Benefit
—
IDFC FIRST Bank
Annual Fee
Lifetime Free
Reward Rate
3X on top categories; 1X others
Welcome Benefit
—
IndusInd Bank
Annual Fee
₹1,500
Reward Rate
2X rewards on all 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 Millennia Credit CardVisa · IDFC FIRST Bank | IDFC FIRST Select Credit CardVisa · IDFC FIRST Bank | IndusInd Bank Duo Credit CardMastercard · IndusInd Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | IDFC FIRST Bank | IDFC FIRST Bank | IndusInd Bank |
Card | |||
Annual fee | ₹1,000 | Lifetime FreeBest | ₹1,500 |
Joining fee | ₹1,000 | ₹0Best | ₹1,500 |
Reward rate | 3X on online; 2X offlineBest | 3X on top categories; 1X others | 2X rewards on all spends |
Welcome benefit | — | — | — |
Lifetime free | No | YesBest | No |
Network | Visa | Visa | Mastercard |
Best for | online-shopping, rewards | lifetime-free, rewards, lounge-access | rewards |
Apply |
IDFC FIRST Bank
3X on online; 2X offline — Best for online-shopping · rewards.
IDFC FIRST Bank
Lifetime free. 3X on top categories; 1X others — Best for lifetime-free · rewards · lounge-access.
IndusInd Bank
2X rewards on all spends — Best for rewards.
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