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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Mastercard · SBI Card
6 Travel Credits for every ₹200 spent on travel; 2 Travel Credits for every ₹… — Best for .
Annual fee
₹4,999
Mastercard · SBI Card
3 reward points per ₹100 — Best for rewards · premium.
Annual fee
₹4,999
Visa · Standard Chartered
Lifetime free. 2X rewards on dining — Best for dining · lifetime-free.
Annual fee
Lifetime free
SBI Card
Annual Fee
₹4,999
Reward Rate
6 Travel Credits for every ₹200 spent on travel; 2 Travel Credits for every ₹200 on all other spends; Travel Credits convertible to Air Miles / Hotel Points (1 TC = Re. 1) or used for Travel Bookings (1 TC = ₹0.50)
Welcome Benefit
—
SBI Card
Annual Fee
₹4,999
Reward Rate
3 reward points per ₹100
Welcome Benefit
—
Standard Chartered
Annual Fee
Lifetime Free
Reward Rate
2X rewards on 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 MILES ELITEMastercard · SBI Card | SBI Card SignatureMastercard · SBI Card | Standard Chartered Smart Credit CardVisa · Standard Chartered |
|---|---|---|---|
Card image |  |  |  |
Provider | SBI Card | SBI Card | Standard Chartered |
Card | |||
Annual fee | ₹4,999 | ₹4,999 | Lifetime FreeBest |
Joining fee | ₹4,999 | ₹4,999 | ₹0Best |
Reward rate | 6 Travel Credits for every ₹200 spent on travel; 2 Travel Credits for every ₹200 on all other spends; Travel Credits convertible to Air Miles / Hotel Points (1 TC = Re. 1) or used for Travel Bookings (1 TC = ₹0.50)Best | 3 reward points per ₹100 | 2X rewards on dining |
Welcome benefit | — | — | — |
Lifetime free | No | No | YesBest |
Network | Mastercard | Mastercard | Visa |
Best for | — | rewards, premium | dining, lifetime-free |
Apply |
SBI Card
6 Travel Credits for every ₹200 spent on travel; 2 Travel Credits for every ₹… — Best for .
SBI Card
3 reward points per ₹100 — Best for rewards · premium.
Standard Chartered
Lifetime free. 2X rewards on dining — Best for dining · lifetime-free.
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