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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · Uni (SBM Bank)
Lifetime free. 1.5X rewards on all spends — Best for rewards · lifetime-free.
Annual fee
Lifetime free
Visa · Yes Bank
15 reward points per ₹200 — Best for premium · rewards.
Annual fee
₹10,000
Visa · Yes Bank
8 reward points per ₹200 — Best for premium · rewards.
Annual fee
₹2,500
Uni (SBM Bank)
Annual Fee
Lifetime Free
Reward Rate
1.5X rewards on all spends
Welcome Benefit
—
Yes Bank
Annual Fee
₹10,000
Reward Rate
15 reward points per ₹200
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 | Uni Credit CardVisa · Uni (SBM Bank) | Yes Bank YES First Exclusive Credit CardVisa · Yes Bank | Yes Bank YES Premia Credit CardVisa · Yes Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | Uni (SBM Bank) | Yes Bank | Yes Bank |
Card | |||
Annual fee | Lifetime FreeBest | ₹10,000 | ₹2,500 |
Joining fee | ₹0Best | ₹10,000 | ₹2,500 |
Reward rate | 1.5X rewards on all spends | 15 reward points per ₹200Best | 8 reward points per ₹200 |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | Visa | Visa | Visa |
Best for | rewards, lifetime-free | premium, rewards | premium, rewards |
Apply |
Uni (SBM Bank)
Lifetime free. 1.5X rewards on all spends — Best for rewards · lifetime-free.
Yes Bank
15 reward points per ₹200 — Best for premium · rewards.
Yes Bank
8 reward points per ₹200 — Best for premium · rewards.
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