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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Mastercard · SBI Card
5 reward points per ₹100 — Best for rewards · premium.
Annual fee
₹2,999
Visa · Standard Chartered
5% cashback on subscriptions & utilities — Best for bill-payments.
Annual fee
₹1,500
Visa · Yes Bank
8 reward points per ₹200 — Best for premium · rewards.
Annual fee
₹2,500
SBI Card
Annual Fee
₹2,999
Reward Rate
5 reward points per ₹100
Welcome Benefit
—
Standard Chartered
Annual Fee
₹1,500
Reward Rate
5% cashback on subscriptions & utilities
Welcome Benefit
—
Yes Bank
Annual Fee
₹2,500
Reward Rate
8 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 | SBI Card PRIMEMastercard · SBI Card | Standard Chartered DigiSmart Credit CardVisa · Standard Chartered | Yes Bank YES Premia Credit CardVisa · Yes Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | SBI Card | Standard Chartered | Yes Bank |
Card | |||
Annual fee | ₹2,999 | ₹1,500Best | ₹2,500 |
Joining fee | ₹2,999 | ₹1,500Best | ₹2,500 |
Reward rate | 5 reward points per ₹100 | 5% cashback on subscriptions & utilities | 8 reward points per ₹200Best |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | Mastercard | Visa | Visa |
Best for | rewards, premium | bill-payments | premium, rewards |
Apply |
SBI Card
5 reward points per ₹100 — Best for rewards · premium.
Standard Chartered
5% cashback on subscriptions & utilities — Best for bill-payments.
Yes Bank
8 reward points per ₹200 — Best for premium · rewards.
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