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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · SBI Card
5X rewards on dining, departmental stores & grocery. 8 domestic + 6 international lounge visits. 1.99% lowest forex markup.
Annual fee
₹4,999
Visa · SBI Card
Welcome gift of 2,500 IndiGo BluChips
Annual fee
Lifetime free
Visa · Standard Chartered
5% cashback on subscriptions & utilities — Best for bill-payments.
Annual fee
₹1,500
SBI Card
Annual Fee
₹4,999
Reward Rate
5 Reward Points per ₹100 on dining, departmental stores and grocery; 2 Reward Points per ₹100 on all other retail spends; 1 Reward Point = Re. 0.25
Welcome Benefit
Up to 5,000 Bonus Reward Points as welcome gift on payment of joining fee, plus complimentary 1-year Club ITC Silver Tier membership on first transaction within 60 days of card activation.
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
Standard Chartered
Annual Fee
₹1,500
Reward Rate
5% cashback on subscriptions & utilities
Welcome Benefit
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Side by side
Every fee, reward and benefit in one place — the winning card in each row is marked with a check.
CategoryFeature | SBI Card ELITEVisa · SBI Card | IndiGo SBI CardVisa · SBI Card | Standard Chartered DigiSmart Credit CardVisa · Standard Chartered |
|---|---|---|---|
Card image |  |  |  |
Provider | SBI Card | SBI Card | Standard Chartered |
Card | |||
Annual fee | ₹4,999 | Lifetime FreeBest | ₹1,500 |
Joining fee | ₹4,999 | ₹0Best | ₹1,500 |
Reward rate | 5 Reward Points per ₹100 on dining, departmental stores and grocery; 2 Reward Points per ₹100 on all other retail spends; 1 Reward Point = Re. 0.25Best | 2 IndiGo BluChips per ₹100 on IndiGo transactions; 1 BluChip per ₹100 on other spends | 5% cashback on subscriptions & utilities |
Welcome benefit | Up to 5,000 Bonus Reward Points as welcome gift on payment of joining fee, plus complimentary 1-year Club ITC Silver Tier membership on first transaction within 60 days of card activation. | Welcome gift of up to 2,500 IndiGo BluChips on joining | — |
Lifetime free | No | YesBest | No |
Network | Visa | Visa | Visa |
Best for | premium, lounge-access, dining, forex, milestone | airlines, travel | bill-payments |
Apply |
SBI Card
5X rewards on dining, departmental stores & grocery. 8 domestic + 6 international lounge visits. 1.99% lowest forex markup.
SBI Card
Welcome gift of 2,500 IndiGo BluChips
Standard Chartered
5% cashback on subscriptions & utilities — Best for bill-payments.
Related Guides
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