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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 · OneCard
Lifetime free. 5X rewards on top categories — Best for lifetime-free · app-driven · rewards.
Annual fee
Lifetime free
Visa · SBI Card
5,000 IndiGo BluChips & 6E Eats voucher
Annual fee
₹4,500
IDFC FIRST Bank
Annual Fee
₹1,000
Reward Rate
3X on online; 2X offline
Welcome Benefit
—
OneCard
Annual Fee
Lifetime Free
Reward Rate
5X rewards on top categories
Welcome Benefit
—
SBI Card
Annual Fee
₹4,500
Reward Rate
5 IndiGo BluChips per ₹100 on IndiGo transactions; 2 BluChips per ₹100 on dining, grocery, entertainment
Welcome Benefit
Welcome gift of 5,000 IndiGo BluChips + 6E Eats voucher
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 | OneCard RuPay Credit CardVisa · OneCard | IndiGo SBI Card ELITEVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | IDFC FIRST Bank | OneCard | SBI Card |
Card | |||
Annual fee | ₹1,000 | Lifetime FreeBest | ₹4,500 |
Joining fee | ₹1,000 | ₹0Best | ₹4,500 |
Reward rate | 3X on online; 2X offline | 5X rewards on top categories | 5 IndiGo BluChips per ₹100 on IndiGo transactions; 2 BluChips per ₹100 on dining, grocery, entertainmentBest |
Welcome benefit | — | — | Welcome gift of 5,000 IndiGo BluChips + 6E Eats voucher |
Lifetime free | No | YesBest | No |
Network | Visa | Visa | Visa |
Best for | online-shopping, rewards | lifetime-free, app-driven, rewards, upi | airlines, travel, premium |
Apply |
IDFC FIRST Bank
3X on online; 2X offline — Best for online-shopping · rewards.
OneCard
Lifetime free. 5X rewards on top categories — Best for lifetime-free · app-driven · rewards.
SBI Card
5,000 IndiGo BluChips & 6E Eats voucher
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