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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
Mastercard · Standard Chartered
5% cashback on fuel — Best for fuel.
Annual fee
₹750
Visa · Yes Bank
12 reward points per ₹200 — Best for premium · rewards.
Annual fee
₹5,000
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.
Standard Chartered
Annual Fee
₹750
Reward Rate
5% cashback on fuel
Welcome Benefit
—
Yes Bank
Annual Fee
₹5,000
Reward Rate
12 reward points per ₹200
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 | SBI Card ELITEVisa · SBI Card | Standard Chartered Titanium Credit CardMastercard · Standard Chartered | Yes Bank YES First Preferred Credit CardVisa · Yes Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | SBI Card | Standard Chartered | Yes Bank |
Card | |||
Annual fee | ₹4,999 | ₹750Best | ₹5,000 |
Joining fee | ₹4,999 | ₹750Best | ₹5,000 |
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 | 5% cashback on fuel | 12 reward points per ₹200 |
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. | — | — |
Lifetime free | No | No | No |
Network | Visa | Mastercard | Visa |
Best for | premium, lounge-access, dining, forex, milestone | fuel | premium, rewards |
Apply |
SBI Card
5X rewards on dining, departmental stores & grocery. 8 domestic + 6 international lounge visits. 1.99% lowest forex markup.
Standard Chartered
5% cashback on fuel — Best for fuel.
Yes Bank
12 reward points per ₹200 — Best for premium · rewards.
Related Guides
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