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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
Mastercard · RBL Bank
Lifetime free. 2X reward points on online — Best for online-shopping · 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
₹1,000
Reward Rate
3X on online; 2X offline
Welcome Benefit
—
RBL Bank
Annual Fee
Lifetime Free
Reward Rate
2X reward points on online
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 Millennia Credit CardVisa · IDFC FIRST Bank | RBL Bank ShopRite Credit CardMastercard · RBL Bank | Yes Bank YES First Exclusive Credit CardVisa · Yes Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | IDFC FIRST Bank | RBL Bank | Yes Bank |
Card | |||
Annual fee | ₹1,000 | Lifetime FreeBest | ₹10,000 |
Joining fee | ₹1,000 | ₹0Best | ₹10,000 |
Reward rate | 3X on online; 2X offline | 2X reward points on online | 15 reward points per ₹200Best |
Welcome benefit | — | — | — |
Lifetime free | No | YesBest | No |
Network | Visa | Mastercard | Visa |
Best for | online-shopping, rewards | online-shopping, lifetime-free | premium, rewards |
Apply |
IDFC FIRST Bank
3X on online; 2X offline — Best for online-shopping · rewards.
RBL Bank
Lifetime free. 2X reward points on online — Best for online-shopping · lifetime-free.
Yes Bank
15 reward points per ₹200 — Best for premium · rewards.
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