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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
Visa · SBI Card
5 reward points per ₹100 — Best for premium · travel.
Annual fee
₹10,000
Mastercard · Standard Chartered
5X on travel & dining — Best for travel · dining.
Annual fee
₹2,500
IDFC FIRST Bank
Annual Fee
Lifetime Free
Reward Rate
3X rewards + wealth benefits
Welcome Benefit
—
SBI Card
Annual Fee
₹10,000
Reward Rate
5 reward points per ₹100
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 Wealth Credit CardVisa · IDFC FIRST Bank | SBI Card AurionVisa · SBI Card | Standard Chartered Journey Credit CardMastercard · Standard Chartered |
|---|---|---|---|
Card image |  |  |  |
Provider | IDFC FIRST Bank | SBI Card | Standard Chartered |
Card | |||
Annual fee | Lifetime FreeBest | ₹10,000 | ₹2,500 |
Joining fee | ₹0Best | ₹10,000 | ₹2,500 |
Reward rate | 3X rewards + wealth benefits | 5 reward points per ₹100Best | 5X on travel & dining |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | Visa | Visa | Mastercard |
Best for | lifetime-free, rewards, premium | premium, travel | travel, dining |
Apply |
IDFC FIRST Bank
Lifetime free. 3X rewards + wealth benefits — Best for lifetime-free · rewards · premium.
SBI Card
5 reward points per ₹100 — Best for premium · travel.
Standard Chartered
5X on travel & dining — Best for travel · dining.
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