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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 · SBI Card
5% cashback on top online brands; 1% on others — Best for cashback · online-shopping.
Annual fee
₹999
Mastercard · Standard Chartered
5X on travel & dining — Best for travel · dining.
Annual fee
₹2,500
IDFC FIRST Bank
Annual Fee
₹1,000
Reward Rate
3X on online; 2X offline
Welcome Benefit
—
SBI Card
Annual Fee
₹999
Reward Rate
5% cashback on top online brands; 1% on others
Welcome Benefit
—
Standard Chartered
Annual Fee
₹2,500
Reward Rate
5X on travel & dining
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 | SBI Cashback Credit CardMastercard · SBI Card | Standard Chartered Journey Credit CardMastercard · Standard Chartered |
|---|---|---|---|
Card image |  |  |  |
Provider | IDFC FIRST Bank | SBI Card | Standard Chartered |
Card | |||
Annual fee | ₹1,000 | ₹999Best | ₹2,500 |
Joining fee | ₹1,000 | ₹999Best | ₹2,500 |
Reward rate | 3X on online; 2X offline | 5% cashback on top online brands; 1% on othersBest | 5X on travel & dining |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | Visa | Mastercard | Mastercard |
Best for | online-shopping, rewards | cashback, online-shopping | travel, dining |
Apply |
IDFC FIRST Bank
3X on online; 2X offline — Best for online-shopping · rewards.
SBI Card
5% cashback on top online brands; 1% on others — Best for cashback · online-shopping.
Standard Chartered
5X on travel & dining — Best for travel · dining.
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