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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 · SBI Card
10 Reward Points per ₹150 on dining, movies, departmental stores and grocery;… — Best for .
Annual fee
₹499
Mastercard · SBI Card
3 reward points per ₹100 — Best for rewards · premium.
Annual fee
₹4,999
IDFC FIRST Bank
Annual Fee
₹1,000
Reward Rate
3X on online; 2X offline
Welcome Benefit
—
SBI Card
Annual Fee
₹499
Reward Rate
10 Reward Points per ₹150 on dining, movies, departmental stores and grocery; 1 Reward Point per ₹150 on all other spends; 4 Reward Points = Re. 1
Welcome Benefit
—
SBI Card
Annual Fee
₹4,999
Reward Rate
3 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 | SimplySAVE SBI CardVisa · SBI Card | SBI Card SignatureMastercard · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | IDFC FIRST Bank | SBI Card | SBI Card |
Card | |||
Annual fee | ₹1,000 | ₹499Best | ₹4,999 |
Joining fee | ₹1,000 | ₹499Best | ₹4,999 |
Reward rate | 3X on online; 2X offline | 10 Reward Points per ₹150 on dining, movies, departmental stores and grocery; 1 Reward Point per ₹150 on all other spends; 4 Reward Points = Re. 1Best | 3 reward points per ₹100 |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | Visa | Visa | Mastercard |
Best for | online-shopping, rewards | — | rewards, premium |
Apply |
IDFC FIRST Bank
3X on online; 2X offline — Best for online-shopping · rewards.
SBI Card
10 Reward Points per ₹150 on dining, movies, departmental stores and grocery;… — Best for .
SBI Card
3 reward points per ₹100 — Best for rewards · premium.
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