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
3X on online; 2X offline — Best for online-shopping · rewards.
Annual fee
₹1,000
Visa · Niyo (DCB Bank)
Lifetime free. 2X rewards on forex spends — Best for travel · lifetime-free.
Annual fee
Lifetime free
Mastercard · SBI Card
5 reward points per ₹100 — Best for rewards · premium.
Annual fee
₹2,999
IDFC FIRST Bank
Annual Fee
₹1,000
Reward Rate
3X on online; 2X offline
Welcome Benefit
—
Niyo (DCB Bank)
Annual Fee
Lifetime Free
Reward Rate
2X rewards on forex 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 Millennia Credit CardVisa · IDFC FIRST Bank | Niyo Global Credit CardVisa · Niyo (DCB Bank) | SBI Card PRIMEMastercard · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | IDFC FIRST Bank | Niyo (DCB Bank) | SBI Card |
Card | |||
Annual fee | ₹1,000 | Lifetime FreeBest | ₹2,999 |
Joining fee | ₹1,000 | ₹0Best | ₹2,999 |
Reward rate | 3X on online; 2X offline | 2X rewards on forex spends | 5 reward points per ₹100Best |
Welcome benefit | — | — | — |
Lifetime free | No | YesBest | No |
Network | Visa | Visa | Mastercard |
Best for | online-shopping, rewards | travel, lifetime-free | rewards, premium |
Apply |
IDFC FIRST Bank
3X on online; 2X offline — Best for online-shopping · rewards.
Niyo (DCB Bank)
Lifetime free. 2X rewards on forex spends — Best for travel · lifetime-free.
SBI Card
5 reward points per ₹100 — Best for rewards · premium.
Related Guides
In-depth guides on rewards, lounge access, forex and more.
Related Comparisons
Compare any two cards side-by-side across 140+ issuers.
