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IDFC FIRST Millennia Credit Card Apply Now	IDFC FIRST Wealth Credit Card Apply Now	IDFC FIRST Select Credit Card Apply Now	HDFC Bank Millennia Credit Card Apply Now	Cashback SBI Credit Card Apply Now	SBI SimplyCLICK Credit Card Apply Now	IndusInd Legend Credit Card Apply Now	IndusInd Bank Platinum RuPay Credit Card Apply Now	YES Premia/Elite+ Credit Card Apply Now
Joining Fee Nil	Joining Fee Nil	Joining Fee Nil	Joining Fee Rs. 1,000 + GST	Joining Fee Rs. 999 + GST	Joining Fee Rs. 499 + GST	Joining Fee Nil	Joining Fee Nil	Joining Fee Rs. 999 + GST
Rewards and Benefits
Welcome Benefits 5% cashback on first EMI spend up to Rs. 1,000 and additional welcome gift vouchers worth Rs. 500 on spending Rs. 5,000 within 30 days of card generation	Welcome Benefits Gift vouchers worth Rs. 500 from popular brands on spending over Rs. 15,000 within 90 days and a 5% cashback on the first EMI transaction made within the first 30 days.	Welcome Benefits Vouchers worth Rs. 500 on spends of Rs. 15,000 within 90 days of card issuance. Also, get a 5% cashback on EMI transactions (up to Rs. 1,000) within 30 days of card issuance.	Welcome Benefits 1,000 CashPoints as a Welcome Benefit.	Welcome Benefits NA	Welcome Benefits Amazon Gift Card Worth Rs. 500	Welcome Benefits N/A	Welcome Benefits N/A	Welcome Benefits N/A
Rewards Rate 3 Reward Points on each offline spend of Rs. 150, 6 RPs per online spend of Rs. 150, and 10 Rewards on every Rs. 150 on spends above Rs. 20,000.	Rewards Rate 3 Reward Points on every Rs. 100 spent offline, 6 Reward Points on every Rs. 100 spent online, 10 Reward Points per Rs. 100 on spends above Rs. 30,000.	Rewards Rate 3 Reward Points/Rs. 125 spent offline and online, and 10 Reward Points on every Rs. 125 on spends above Rs. 20,000.	Rewards Rate 5% cashback (as CashPoints) at select partner online merchants and 1% cashback (as CashPoints) on all other spends (except fuel, rental, and govt. related transactions)	Rewards Rate 5% cashback for every online transaction and 1% cashback on other offline transactions. You can earn a maximum of Rs. 5000 cashback in a single statement cycle.	Rewards Rate Get 10X Reward Points on partner brands (e.g. BookMyShow, Apollo 24/7), 5X Reward Points on online purchases, and 1 Reward Point for every Rs. 100 spent on other purchases.	Rewards Rate 1 Reward Point per Rs. 100 spends on weekdays and 2 Reward Points for every Rs. 100 you spend on weekends.	Rewards Rate 2 RPs for Every Rs 100 Spent on UPI. 1 RP for Each Rs 100 Non-UPI Transaction	Rewards Rate 12 RPs for every Rs. 200 spent online. 6 RPs per Rs. 200 you spend offline. 4 RPs on select categories like insurance, education, and rental payments.
Movie & Dining Up to 20% discount on more than 1,500 Restaurants across India. Avail 25% discount on movie tickets once a month on the Paytm app (up to Rs. 100).	Movie & Dining Buy One Get One offer on movie tickets up to Rs. 250 on the Paytm app, twice every month, and up to 20% discount on over 1,500 restaurants	Movie & Dining “Buy One Get One” offer on movie tickets up to Rs. 125 while booking with the Paytm app & up to 20% discount on dining at over 1500 restaurants.	Movie & Dining Up to 20% discount at partner restaurants with Swiggy Dineout	Movie & Dining NA	Movie & Dining N/A	Movie & Dining BOGO on 1 movie ticket every month up to Rs. 200.	Movie & Dining N/A	Movie & Dining 25% Discount on Movie Bookings With BookMyShow. Up to 25% Discount on Dining at Select Restaurants
Reward Redemption	Reward Redemption Reward Points redeemable on Poshvine redemption portal for shopping vouchers from many popular brands including at a rate of 1 Reward Point = Rs. 0.25. You have to pay a convenience fee of Rs. 99 plus taxes for reward redemption.	Reward Redemption 1 Reward point = Re. 0.25 for redemption. These reward points can be redeemed at the Poshvine reward portal or at exclusive merchant stores.	Reward Redemption Rewards processed as CashPoints, 1 CP = Re. 1 while redeeming against statement balance of credit card and 1 CP = Rs. 0.30 while redeeming against products and vouchers in the product catalogue, and against flight/hotel booking.	Reward Redemption Cashback earned with the card will be automatically credited to next month’s statement.	Reward Redemption Reward Points can be redeemed for gift vouchers on sbicard.com or via the SBI mobile app, as well as for paying the card’s outstanding balance, 1 RP = Rs. 0.25	Reward Redemption 1 RP = 1 InterMiles for redemption against Intermile, 1 RP = Re. 1 for redemption against cash credit, and 1 RP = 1 CV Point for redemption against Club Vistara Points.	Reward Redemption 1 RP = Rs 0.35. RPs Can Also Be Redeemed on Indus Moments	Reward Redemption RPs Earned Are Redeemable Through Yes Rewardz (1 RP = Re. 0.25 Against Hotel/Flight Bookings)
Travel Get four complimentary railway lounge accesses and four roadside assistance services a year, each worth Rs. 1399.	Travel 4 Free Airport Lounge Visits Each Quarter	Travel Airport “Meet and Greet” at more than 450 destinations worldwide. Airport transfers and concierge service for a personalized travel experience. Access to premium services and benefits at more than 900 luxury hotels worldwide. Complimentary 4 railway lounge access per quarter.	Travel One free airport lounge visit on spending Rs. 1 lakh in a quarter (Milestone Benefit)	Travel NA	Travel N/A	Travel Complimentary Priority Pass Membership	Travel N/A	Travel N/A
Golf NA	Golf Complimentary golf rounds each month for every Rs. 20,000 spent in the previous month (max 2 golf rounds in a month).	Golf NA	Golf N/A	Golf NA	Golf N/A	Golf N/A	Golf N/A	Golf 4 Green Fee waiver and 1 complimentary golf lesson every month at selected golf courses in India
Domestic Lounge NA	Domestic Lounge Up to 2 Free Visits to Domestic Airport Lounges Per Quarter	Domestic Lounge 2 Complimentary Domestic Airport Lounge Access Every Quarter ( 8 Each Year)	Domestic Lounge N/A	Domestic Lounge NA	Domestic Lounge N/A	Domestic Lounge 1 Free Domestic Airport Lounge Access Every Quarter (4 Each Year)	Domestic Lounge N/A	Domestic Lounge 2 complimentary lounge access per quarter.
International Lounge NA	International Lounge Up to 2 Complimentary International Lounge Visits Per Quarter	International Lounge NA	International Lounge N/A	International Lounge NA	International Lounge N/A	International Lounge N/A	International Lounge N/A	International Lounge 3 Free Visits in a Year
Insurance Benefits Personal Accidental Cover worth Rs. 2 Lakhs on all active cards. Lost Card Liability Cover of Rs 25,000.	Insurance Benefits Travel-related insurance benefits including accidental air death insurance worth Rs. 1 crore, personal accident coverage worth Rs. 10 lakh, and lost card liability cover worth Rs. 50,000	Insurance Benefits You get an air accident cover worth Rs. 1 Crore, personal accident cover worth upto Rs 5,00,000 and a travel insurance cover worth up to Rs 22,500.	Insurance Benefits N/A	Insurance Benefits NA	Insurance Benefits N/A	Insurance Benefits Get a Complimentary Air Accidental cover of Rs 25 Lakhs. Complimentary Lost baggage Insurance of Rs 1 lakh and several other travel insurance covers.	Insurance Benefits Travel Insurance is Provided	Insurance Benefits A Credit Shield Cover Worth ₹3 lakhs and Purchase Protection
Zero Liability Protection Zero Liability protection upto Rs 25,000. Not valid on PIN Based transactions.	Zero Liability Protection Bank not liable for any unauthorized transaction prior to the time of reporting the loss of card. However, you do get a lost card liability cover worth Rs. 50,000.	Zero Liability Protection You get a zero liability protection cover worth Rs 50,000 against any fraudulent transactions reported within the stipulated time.	Zero Liability Protection Zero liability of the credit cardholder in case of fraudulent transactions after you have reported about the loss or theft of the card to the bank.	Zero Liability Protection The cardholder will not be liable for any fraudulent transaction if the card is reported lost or stolen to the bank in a timely manner.	Zero Liability Protection The cardholders get a zero liability protection against a lost/stolen card if the loss is informed to the bank officials timely.	Zero Liability Protection Lost card liability is applicable from 2 days before reporting and till 7 days after informing the loss of card.	Zero Liability Protection Cardholder Will Not Be Liable for Any Fraudulent Transaction if the Card is Reported Lost or Stolen to the Bank in a Timely Manner	Zero Liability Protection Lost Liability Cover of ₹3 Lakh
Fees & Charges

Renewal Fee Nil	Renewal Fee Nil	Renewal Fee Nil	Renewal Fee Rs. 1,000 + GST	Renewal Fee Rs. 999 + GST	Renewal Fee Rs. 499 + GST	Renewal Fee Nil	Renewal Fee Nil	Renewal Fee Rs. 999 + GST
Spend Based Waiver Nil	Spend Based Waiver Nil	Spend Based Waiver NA	Spend Based Waiver The renewal fee is waived off if the cardholder spends Rs. 1 Lakh or more in the previous year.	Spend Based Waiver The annual fee can be waived on spending Rs. 2,00,000 or more in the previous year.	Spend Based Waiver Renewal fee waiver on annual spend of Rs. 1 lakh	Spend Based Waiver N/A	Spend Based Waiver N/A	Spend Based Waiver Joining Fee Waiver - Spend ₹20,000 within 30 Days of Card Issuance. Annual Fee Waiver on Spends of ₹2 Lakh or More
Rewards Redemption Fee Rs. 99 plus taxes	Rewards Redemption Fee Rs. 99 plus taxes	Rewards Redemption Fee Rs. 99 plus taxes	Rewards Redemption Fee Rs. 99 per redemption request (plus applicable taxes)	Rewards Redemption Fee NIL	Rewards Redemption Fee Rs. 99 (plus taxes) on each redemption request	Rewards Redemption Fee Rs. 100	Rewards Redemption Fee Rs. 100	Rewards Redemption Fee ₹100 + GST
Foreign Currency Markup 3.5% of the total transaction value.	Foreign Currency Markup 1.5% + GST	Foreign Currency Markup 1.99% of the total conversion amount	Foreign Currency Markup 3.5% (plus applicable taxes)	Foreign Currency Markup 3.5% of the international transaction	Foreign Currency Markup 3.5% of the total transaction amount	Foreign Currency Markup 1.80% on all foreign currency transactions	Foreign Currency Markup 3.5%	Foreign Currency Markup 2.75% on all foreign currency transactions.
Interest Rates Starting from 0.75% and goes up to 3.5% per month.	Interest Rates 0.75% to 3.5% per month depending upon the credit history of the card member.	Interest Rates Ranges between 0.75% to 3.5% per month based upon the credit history of the individual	Interest Rates 3.6% per month (or 43.2% per annum)	Interest Rates 3.5% p.m. (42% p.a.)	Interest Rates 3.5% per month or 42% annualized	Interest Rates 3.83% per month (46% per annum)	Interest Rates 3.83% Monthly (46% Yearly)	Interest Rates 3.8% Per Month (45.6% Annually)
Fuel Surcharge 1% fuel surcharge waiver at all fuel stations and on all fuel purchases across India (Upto Rs 200 every month).	Fuel Surcharge A 1% fuel surcharge is waived at all authorized fuel stations (max waived amount capped at Rs. 400/month).	Fuel Surcharge 1% surcharge waived on all fuel purchases at all petrol pumps across India subject to a maximum amount of Rs. 300.	Fuel Surcharge A 1% Fuel surcharge is waived if you spend between Rs. 400 and Rs. 5,000 on fuel (Max Rs. 250 per statement cycle)	Fuel Surcharge 1% fuel surcharge waiver for transactions between Rs. 500 and Rs. 3,000 at petrol pumps across India. (waiver capped at Rs. 100 per statement)	Fuel Surcharge 1% fuel surcharge waived on fuel transactions from Rs. 500 to Rs. 3,000 (max waiver capped at Rs. 100 per month)	Fuel Surcharge 1% of Fuel Surcharge Waiver applicable at all fuel stations across India.	Fuel Surcharge 1% Fuel Surcharge Waiver (Rs. 40 Monthly & Rs. 480 Annually)	Fuel Surcharge 1% fuel surcharge waiver on fuel transactions between Rs. 400 and Rs. 5,000.
Cash Advance Charges Transaction fees of Rs. 199	Cash Advance Charges Rs. 199 per transaction	Cash Advance Charges Rs. 199 per transaction	Cash Advance Charges 2.5% of the transaction amount, subject to a minimum fee of Rs. 500	Cash Advance Charges 2.5% of the amount withdrawn or a minimum charge of Rs. 500.	Cash Advance Charges 2.5% of the withdrawal amount or a minimum fee of Rs. 500	Cash Advance Charges 2.5% of the transaction amount (Minimum charge of Rs. 500)	Cash Advance Charges 2.5% of the Total Transaction Amount or Rs. 300 Minimum	Cash Advance Charges 2.5% or ₹500 (Whichever is Higher)
Add-on Card Fee Nil	Add-on Card Fee Nil	Add-on Card Fee Nil	Add-on Card Fee Nil	Add-on Card Fee Nil	Add-on Card Fee Nil	Add-on Card Fee Nil	Add-on Card Fee Nil	Add-on Card Fee Nil

IDFC FIRST Millennia Credit Card

IDFC FIRST Wealth Credit Card

IDFC FIRST Select Credit Card

HDFC Bank Millennia Credit Card

Cashback SBI Credit Card

SBI SimplyCLICK Credit Card

IndusInd Legend Credit Card

IndusInd Bank Platinum RuPay Credit Card

YES Premia/Elite+ Credit Card

Rewards and Benefits

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