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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · SBI Card
5,000 IndiGo BluChips & 6E Eats voucher
Annual fee
₹4,500
Visa · Standard Chartered
5% cashback on subscriptions & utilities — Best for bill-payments.
Annual fee
₹1,500
Visa · Uni (SBM Bank)
Lifetime free. 2X rewards on UPI — Best for upi · cashback · lifetime-free.
Annual fee
Lifetime free
SBI Card
Annual Fee
₹4,500
Reward Rate
5 IndiGo BluChips per ₹100 on IndiGo transactions; 2 BluChips per ₹100 on dining, grocery, entertainment
Welcome Benefit
Welcome gift of 5,000 IndiGo BluChips + 6E Eats voucher
Standard Chartered
Annual Fee
₹1,500
Reward Rate
5% cashback on subscriptions & utilities
Welcome Benefit
—
Uni (SBM Bank)
Annual Fee
Lifetime Free
Reward Rate
2X rewards on UPI
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 | IndiGo SBI Card ELITEVisa · SBI Card | Standard Chartered DigiSmart Credit CardVisa · Standard Chartered | Uni Pay Credit CardVisa · Uni (SBM Bank) |
|---|---|---|---|
Card image |  |  |  |
Provider | SBI Card | Standard Chartered | Uni (SBM Bank) |
Card | |||
Annual fee | ₹4,500 | ₹1,500 | Lifetime FreeBest |
Joining fee | ₹4,500 | ₹1,500 | ₹0Best |
Reward rate | 5 IndiGo BluChips per ₹100 on IndiGo transactions; 2 BluChips per ₹100 on dining, grocery, entertainmentBest | 5% cashback on subscriptions & utilities | 2X rewards on UPI |
Welcome benefit | Welcome gift of 5,000 IndiGo BluChips + 6E Eats voucher | — | — |
Lifetime free | No | No | YesBest |
Network | Visa | Visa | Visa |
Best for | airlines, travel, premium | bill-payments | upi, cashback, lifetime-free |
Apply |
SBI Card
5,000 IndiGo BluChips & 6E Eats voucher
Standard Chartered
5% cashback on subscriptions & utilities — Best for bill-payments.
Uni (SBM Bank)
Lifetime free. 2X rewards on UPI — Best for upi · cashback · lifetime-free.
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