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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · IndusInd Bank
3 reward points per ₹100 — Best for rewards · premium.
Annual fee
₹3,000
Visa · Standard Chartered
5x on travel & dining; 1x others — Best for travel · dining · lounge-access.
Annual fee
₹5,000
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
₹3,000
Reward Rate
3 reward points per ₹100
Welcome Benefit
—
Standard Chartered
Annual Fee
₹5,000
Reward Rate
5x on travel & dining; 1x others
Welcome Benefit
—
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 Legend Credit CardVisa · IndusInd Bank | Standard Chartered Ultimate Credit CardVisa · Standard Chartered | Uni Credit CardVisa · Uni (SBM Bank) |
|---|---|---|---|
Card image |  |  |  |
Provider | IndusInd Bank | Standard Chartered | Uni (SBM Bank) |
Card | |||
Annual fee | ₹3,000 | ₹5,000 | Lifetime FreeBest |
Joining fee | ₹3,000 | ₹5,000 | ₹0Best |
Reward rate | 3 reward points per ₹100Best | 5x on travel & dining; 1x others | 1.5X rewards on all spends |
Welcome benefit | — | — | — |
Lifetime free | No | No | YesBest |
Network | Visa | Visa | Visa |
Best for | rewards, premium | travel, dining, lounge-access | rewards, lifetime-free |
Apply |
IndusInd Bank
3 reward points per ₹100 — Best for rewards · premium.
Standard Chartered
5x on travel & dining; 1x others — Best for travel · dining · lounge-access.
Uni (SBM Bank)
Lifetime free. 1.5X rewards on all spends — Best for rewards · lifetime-free.
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