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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · Niyo (DCB Bank)
Lifetime free. 2X rewards on forex spends — Best for travel · lifetime-free.
Annual fee
Lifetime free
Mastercard · RBL Bank
5X reward points on all spends — Best for premium · rewards.
Annual fee
₹10,000
Visa · SBI Card
5,000 IndiGo BluChips & 6E Eats voucher
Annual fee
₹4,500
Niyo (DCB Bank)
Annual Fee
Lifetime Free
Reward Rate
2X rewards on forex spends
Welcome Benefit
—
RBL Bank
Annual Fee
₹10,000
Reward Rate
5X reward points on all spends
Welcome Benefit
—
SBI Card
Annual Fee
₹4,500
Reward Rate
5 IndiGo BluChips per ₹100 on IndiGo transactions; 2 BluChips per ₹100 on dining, grocery, entertainment
Welcome Benefit
Welcome gift of 5,000 IndiGo BluChips + 6E Eats voucher
Side by side
Every fee, reward and benefit in one place — the winning card in each row is marked with a check.
CategoryFeature | Niyo Global Credit CardVisa · Niyo (DCB Bank) | RBL Bank Infinite Credit CardMastercard · RBL Bank | IndiGo SBI Card ELITEVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | Niyo (DCB Bank) | RBL Bank | SBI Card |
Card | |||
Annual fee | Lifetime FreeBest | ₹10,000 | ₹4,500 |
Joining fee | ₹0Best | ₹10,000 | ₹4,500 |
Reward rate | 2X rewards on forex spends | 5X reward points on all spends | 5 IndiGo BluChips per ₹100 on IndiGo transactions; 2 BluChips per ₹100 on dining, grocery, entertainmentBest |
Welcome benefit | — | — | Welcome gift of 5,000 IndiGo BluChips + 6E Eats voucher |
Lifetime free | YesBest | No | No |
Network | Visa | Mastercard | Visa |
Best for | travel, lifetime-free | premium, rewards | airlines, travel, premium |
Apply |
Niyo (DCB Bank)
Lifetime free. 2X rewards on forex spends — Best for travel · lifetime-free.
RBL Bank
5X reward points on all spends — Best for premium · rewards.
SBI Card
5,000 IndiGo BluChips & 6E Eats voucher
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