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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Mastercard · IndusInd Bank
2X rewards on all spends — Best for rewards.
Annual fee
₹1,500
Visa · Niyo (DCB Bank)
Lifetime free. 2X rewards on forex spends — Best for travel · lifetime-free.
Annual fee
Lifetime free
Visa · SBI Card
7.5% cashback on Myntra, 5% cashback on Flipkart
Annual fee
₹500
IndusInd Bank
Annual Fee
₹1,500
Reward Rate
2X rewards on all spends
Welcome Benefit
—
Niyo (DCB Bank)
Annual Fee
Lifetime Free
Reward Rate
2X rewards on forex spends
Welcome Benefit
—
SBI Card
Annual Fee
₹500
Reward Rate
7.5% cashback on Myntra; 5% cashback on Flipkart; 1% cashback on all other spends
Welcome Benefit
Welcome cashback worth ₹500 on first transaction
Side by side
Every fee, reward and benefit in one place — the winning card in each row is marked with a check.
CategoryFeature | IndusInd Bank Duo Credit CardMastercard · IndusInd Bank | Niyo Global Credit CardVisa · Niyo (DCB Bank) | Flipkart SBI CardVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | IndusInd Bank | Niyo (DCB Bank) | SBI Card |
Card | |||
Annual fee | ₹1,500 | Lifetime FreeBest | ₹500 |
Joining fee | ₹1,500 | ₹0Best | ₹500 |
Reward rate | 2X rewards on all spends | 2X rewards on forex spends | 7.5% cashback on Myntra; 5% cashback on Flipkart; 1% cashback on all other spendsBest |
Welcome benefit | — | — | Welcome cashback worth ₹500 on first transaction |
Lifetime free | No | YesBest | No |
Network | Mastercard | Visa | Visa |
Best for | rewards | travel, lifetime-free | flipkart, online-shopping, cashback |
Apply |
IndusInd Bank
2X rewards on all spends — Best for rewards.
Niyo (DCB Bank)
Lifetime free. 2X rewards on forex spends — Best for travel · lifetime-free.
SBI Card
7.5% cashback on Myntra, 5% cashback on Flipkart
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