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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · SBI Card
7.5% cashback on Myntra, 5% cashback on Flipkart
Annual fee
₹500
Mastercard · Standard Chartered
5X on travel & dining — Best for travel · dining.
Annual fee
₹2,500
Visa · Uni (SBM Bank)
Lifetime free. 1.5X rewards on all spends — Best for rewards · lifetime-free.
Annual fee
Lifetime free
SBI Card
Annual Fee
₹500
Reward Rate
7.5% cashback on Myntra; 5% cashback on Flipkart; 1% cashback on all other spends
Welcome Benefit
Welcome cashback worth ₹500 on first transaction
Standard Chartered
Annual Fee
₹2,500
Reward Rate
5X on travel & dining
Welcome Benefit
—
Uni (SBM Bank)
Annual Fee
Lifetime Free
Reward Rate
1.5X rewards on all spends
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 | Flipkart SBI CardVisa · SBI Card | Standard Chartered Journey Credit CardMastercard · Standard Chartered | Uni Credit CardVisa · Uni (SBM Bank) |
|---|---|---|---|
Card image |  |  |  |
Provider | SBI Card | Standard Chartered | Uni (SBM Bank) |
Card | |||
Annual fee | ₹500 | ₹2,500 | Lifetime FreeBest |
Joining fee | ₹500 | ₹2,500 | ₹0Best |
Reward rate | 7.5% cashback on Myntra; 5% cashback on Flipkart; 1% cashback on all other spendsBest | 5X on travel & dining | 1.5X rewards on all spends |
Welcome benefit | Welcome cashback worth ₹500 on first transaction | — | — |
Lifetime free | No | No | YesBest |
Network | Visa | Mastercard | Visa |
Best for | flipkart, online-shopping, cashback | travel, dining | rewards, lifetime-free |
Apply |
SBI Card
7.5% cashback on Myntra, 5% cashback on Flipkart
Standard Chartered
5X on travel & dining — Best for travel · dining.
Uni (SBM Bank)
Lifetime free. 1.5X rewards on all spends — Best for rewards · lifetime-free.
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