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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 rewards + wealth benefits — Best for lifetime-free · rewards · premium.
Annual fee
Lifetime free
Mastercard · RBL Bank
5X rewards on travel — Best for travel.
Annual fee
₹3,000
Visa · SBI Card
5,000 IndiGo BluChips & 6E Eats voucher
Annual fee
₹4,500
IDFC FIRST Bank
Annual Fee
Lifetime Free
Reward Rate
3X rewards + wealth benefits
Welcome Benefit
—
RBL Bank
Annual Fee
₹3,000
Reward Rate
5X rewards on travel
Welcome Benefit
—
SBI Card
Annual Fee
₹4,500
Reward Rate
5 IndiGo BluChips per ₹100 on IndiGo transactions; 2 BluChips per ₹100 on dining, grocery, entertainment
Welcome Benefit
Welcome gift of 5,000 IndiGo BluChips + 6E Eats voucher
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 Wealth Credit CardVisa · IDFC FIRST Bank | RBL Bank World Safari Credit CardMastercard · RBL Bank | IndiGo SBI Card ELITEVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | IDFC FIRST Bank | RBL Bank | SBI Card |
Card | |||
Annual fee | Lifetime FreeBest | ₹3,000 | ₹4,500 |
Joining fee | ₹0Best | ₹3,000 | ₹4,500 |
Reward rate | 3X rewards + wealth benefits | 5X rewards on travel | 5 IndiGo BluChips per ₹100 on IndiGo transactions; 2 BluChips per ₹100 on dining, grocery, entertainmentBest |
Welcome benefit | — | — | Welcome gift of 5,000 IndiGo BluChips + 6E Eats voucher |
Lifetime free | YesBest | No | No |
Network | Visa | Mastercard | Visa |
Best for | lifetime-free, rewards, premium | travel | airlines, travel, premium |
Apply |
IDFC FIRST Bank
Lifetime free. 3X rewards + wealth benefits — Best for lifetime-free · rewards · premium.
RBL Bank
5X rewards on travel — Best for travel.
SBI Card
5,000 IndiGo BluChips & 6E Eats voucher
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