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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
Lowest forex markup of 1.99% + 5% NeuCoins on Tata
Annual fee
₹4,999
Visa · Yes Bank
8 reward points per ₹200 — Best for premium · rewards.
Annual fee
₹2,500
IDFC FIRST Bank
Annual Fee
Lifetime Free
Reward Rate
3X rewards + wealth benefits
Welcome Benefit
—
SBI Card
Annual Fee
₹4,999
Reward Rate
5% Value Back as NeuCoins on Tata Neu spends; up to 5% extra as NeuCoins via NeuPass; 1.5% NeuCoins on other spends
Welcome Benefit
Welcome NeuCoins worth up to ₹4,999 credited within 15 days of joining fee realization
Yes Bank
Annual Fee
₹2,500
Reward Rate
8 reward points per ₹200
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 | Tata Neu Infinity SBI CardVisa · SBI Card | Yes Bank YES Premia Credit CardVisa · Yes Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | IDFC FIRST Bank | SBI Card | Yes Bank |
Card | |||
Annual fee | Lifetime FreeBest | ₹4,999 | ₹2,500 |
Joining fee | ₹0Best | ₹4,999 | ₹2,500 |
Reward rate | 3X rewards + wealth benefits | 5% Value Back as NeuCoins on Tata Neu spends; up to 5% extra as NeuCoins via NeuPass; 1.5% NeuCoins on other spends | 8 reward points per ₹200Best |
Welcome benefit | — | Welcome NeuCoins worth up to ₹4,999 credited within 15 days of joining fee realization | — |
Lifetime free | YesBest | No | No |
Network | Visa | Visa | Visa |
Best for | lifetime-free, rewards, premium | online-shopping, premium, travel | premium, rewards |
Apply |
IDFC FIRST Bank
Lifetime free. 3X rewards + wealth benefits — Best for lifetime-free · rewards · premium.
SBI Card
Lowest forex markup of 1.99% + 5% NeuCoins on Tata
Yes Bank
8 reward points per ₹200 — Best for premium · rewards.
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