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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 · Kotak Mahindra Bank
Lifetime free. 2X rewards on UPI spends — Best for rewards · upi · lifetime-free.
Annual fee
Lifetime free
Visa · SBI Card
1 reward point per ₹100 — Best for rewards · beginners.
Annual fee
₹499
IDFC FIRST Bank
Annual Fee
Lifetime Free
Reward Rate
3X on top categories; 1X others
Welcome Benefit
—
Kotak Mahindra Bank
Annual Fee
Lifetime Free
Reward Rate
2X rewards on UPI spends
Welcome Benefit
—
SBI Card
Annual Fee
₹499
Reward Rate
1 reward point 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 Select Credit CardVisa · IDFC FIRST Bank | Kotak RuPay Credit CardVisa · Kotak Mahindra Bank | SBI Unnati Credit CardVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | IDFC FIRST Bank | Kotak Mahindra Bank | SBI Card |
Card | |||
Annual fee | Lifetime Free | Lifetime Free | ₹499 |
Joining fee | ₹0 | ₹0 | ₹499 |
Reward rate | 3X on top categories; 1X others | 2X rewards on UPI spends | 1 reward point per ₹100Best |
Welcome benefit | — | — | — |
Lifetime free | Yes | Yes | No |
Network | Visa | Visa | Visa |
Best for | lifetime-free, rewards, lounge-access | rewards, upi, lifetime-free | rewards, beginners |
Apply |
IDFC FIRST Bank
Lifetime free. 3X on top categories; 1X others — Best for lifetime-free · rewards · lounge-access.
Kotak Mahindra Bank
Lifetime free. 2X rewards on UPI spends — Best for rewards · upi · lifetime-free.
SBI Card
1 reward point per ₹100 — Best for rewards · beginners.
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