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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 · SBI Card
Welcome gift of 2,500 IndiGo BluChips
Annual fee
Lifetime free
Visa · Uni (SBM Bank)
Lifetime free. 1.5X rewards on all spends — Best for rewards · lifetime-free.
Annual fee
Lifetime free
IndusInd Bank
Annual Fee
₹1,500
Reward Rate
2X rewards on all spends
Welcome Benefit
—
SBI Card
Annual Fee
Lifetime Free
Reward Rate
2 IndiGo BluChips per ₹100 on IndiGo transactions; 1 BluChip per ₹100 on other spends
Welcome Benefit
Welcome gift of up to 2,500 IndiGo BluChips on joining
Uni (SBM Bank)
Annual Fee
Lifetime Free
Reward Rate
1.5X rewards on all spends
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 | IndusInd Bank Duo Credit CardMastercard · IndusInd Bank | IndiGo SBI CardVisa · SBI Card | Uni Credit CardVisa · Uni (SBM Bank) |
|---|---|---|---|
Card image |  |  |  |
Provider | IndusInd Bank | SBI Card | Uni (SBM Bank) |
Card | |||
Annual fee | ₹1,500 | Lifetime Free | Lifetime Free |
Joining fee | ₹1,500 | ₹0 | ₹0 |
Reward rate | 2X rewards on all spends | 2 IndiGo BluChips per ₹100 on IndiGo transactions; 1 BluChip per ₹100 on other spendsBest | 1.5X rewards on all spends |
Welcome benefit | — | Welcome gift of up to 2,500 IndiGo BluChips on joining | — |
Lifetime free | No | Yes | Yes |
Network | Mastercard | Visa | Visa |
Best for | rewards | airlines, travel | rewards, lifetime-free |
Apply |
IndusInd Bank
2X rewards on all spends — Best for rewards.
SBI Card
Welcome gift of 2,500 IndiGo BluChips
Uni (SBM Bank)
Lifetime free. 1.5X rewards on all spends — Best for rewards · lifetime-free.
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