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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · SBI Card
Welcome gift of 2,500 IndiGo BluChips
Annual fee
Lifetime free
Visa · Uni (SBM Bank)
Lifetime free. 1.5X rewards on all spends — Best for rewards · lifetime-free.
Annual fee
Lifetime free
Visa · Yes Bank
12 reward points per ₹200 — Best for premium · rewards.
Annual fee
₹5,000
SBI Card
Annual Fee
Lifetime Free
Reward Rate
2 IndiGo BluChips per ₹100 on IndiGo transactions; 1 BluChip per ₹100 on other spends
Welcome Benefit
Welcome gift of up to 2,500 IndiGo BluChips on joining
Uni (SBM Bank)
Annual Fee
Lifetime Free
Reward Rate
1.5X rewards on all spends
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 | IndiGo SBI CardVisa · SBI Card | Uni Credit CardVisa · Uni (SBM Bank) | Yes Bank YES First Preferred Credit CardVisa · Yes Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | SBI Card | Uni (SBM Bank) | Yes Bank |
Card | |||
Annual fee | Lifetime Free | Lifetime Free | ₹5,000 |
Joining fee | ₹0 | ₹0 | ₹5,000 |
Reward rate | 2 IndiGo BluChips per ₹100 on IndiGo transactions; 1 BluChip per ₹100 on other spendsBest | 1.5X rewards on all spends | 12 reward points per ₹200 |
Welcome benefit | Welcome gift of up to 2,500 IndiGo BluChips on joining | — | — |
Lifetime free | Yes | Yes | No |
Network | Visa | Visa | Visa |
Best for | airlines, travel | rewards, lifetime-free | premium, rewards |
Apply |
SBI Card
Welcome gift of 2,500 IndiGo BluChips
Uni (SBM Bank)
Lifetime free. 1.5X rewards on all spends — Best for rewards · lifetime-free.
Yes Bank
12 reward points per ₹200 — Best for premium · rewards.
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