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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · IDFC FIRST Bank
Lifetime free. 3X on top categories; 1X others — Best for lifetime-free · rewards · lounge-access.
Annual fee
Lifetime free
Visa · IndusInd Bank
5 reward points per ₹100 — Best for premium.
Annual fee
₹12,500
Visa · Standard Chartered
5% cashback on subscriptions & utilities — Best for bill-payments.
Annual fee
₹1,500
IDFC FIRST Bank
Annual Fee
Lifetime Free
Reward Rate
3X on top categories; 1X others
Welcome Benefit
—
IndusInd Bank
Annual Fee
₹12,500
Reward Rate
5 reward points per ₹100
Welcome Benefit
—
Standard Chartered
Annual Fee
₹1,500
Reward Rate
5% cashback on subscriptions & utilities
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 Select Credit CardVisa · IDFC FIRST Bank | IndusInd Bank Pinnacle Credit CardVisa · IndusInd Bank | Standard Chartered DigiSmart Credit CardVisa · Standard Chartered |
|---|---|---|---|
Card image |  |  |  |
Provider | IDFC FIRST Bank | IndusInd Bank | Standard Chartered |
Card | |||
Annual fee | Lifetime FreeBest | ₹12,500 | ₹1,500 |
Joining fee | ₹0Best | ₹12,500 | ₹1,500 |
Reward rate | 3X on top categories; 1X others | 5 reward points per ₹100Best | 5% cashback on subscriptions & utilities |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | Visa | Visa | Visa |
Best for | lifetime-free, rewards, lounge-access | premium | bill-payments |
Apply |
IDFC FIRST Bank
Lifetime free. 3X on top categories; 1X others — Best for lifetime-free · rewards · lounge-access.
IndusInd Bank
5 reward points per ₹100 — Best for premium.
Standard Chartered
5% cashback on subscriptions & utilities — Best for bill-payments.
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