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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 · Uni (SBM Bank)
Lifetime free. 2X rewards on UPI — Best for upi · cashback · lifetime-free.
Annual fee
Lifetime free
Mastercard · Yes Bank
3X rewards on entertainment & dining — Best for entertainment · dining.
Annual fee
₹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.
Uni (SBM Bank)
Annual Fee
Lifetime Free
Reward Rate
2X rewards on UPI
Welcome Benefit
—
Yes Bank
Annual Fee
₹500
Reward Rate
3X rewards on entertainment & dining
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 | Uni Pay Credit CardVisa · Uni (SBM Bank) | Yes Bank Marvel Plus Credit CardMastercard · Yes Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | SBI Card | Uni (SBM Bank) | Yes Bank |
Card | |||
Annual fee | ₹4,999 | Lifetime FreeBest | ₹500 |
Joining fee | ₹4,999 | ₹0Best | ₹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 | 2X rewards on UPI | 3X rewards on entertainment & dining |
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 | YesBest | No |
Network | Visa | Visa | Mastercard |
Best for | premium, lounge-access, dining, forex, milestone | upi, cashback, lifetime-free | entertainment, dining |
Apply |
SBI Card
5X rewards on dining, departmental stores & grocery. 8 domestic + 6 international lounge visits. 1.99% lowest forex markup.
Uni (SBM Bank)
Lifetime free. 2X rewards on UPI — Best for upi · cashback · lifetime-free.
Yes Bank
3X rewards on entertainment & dining — Best for entertainment · dining.
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