Best Credit Cards in India
Premium Credit Card Benefits Comparison
| Feature | Yes Bank Anq Phi Credit Card | Yes Bank Anq Pi Credit Card | HDFC Diners Club Black | ICICI Bank Sapphiro | SBI Card ELITE |
|---|---|---|---|---|---|
| Card Type | Physical Card | Virtual Card | Physical Card | Physical Card | Physical Card |
| Joining Fee | No Joining Fee | No Joining Fee | Rs. 10,000 | Rs. 6,500 | Rs. 4,999 |
| Annual Membership Fee | Rs. 499 (waived on annual spends over Rs. 1.20 lakhs) | Lifetime Free | Rs. 10,000 (waived on annual spends over Rs. 5 lakhs) | Rs. 3,500 (waived on annual spends over Rs. 3 lakhs) | Rs. 4,999 (waived on annual spends over Rs. 10 lakhs) |
| Reward Points |
- 24 points per Rs. 200 on Travel, Hospitality, Dining - 24 points per Rs. 200 on Grocery, Apparel, OTTs - 4 points per Rs. 200 on other spends |
- 8 points per Rs. 2000 on UPI transactions - 2 points per Rs. 200 on online spends |
- 10 points per Rs. 150 on all spends - 5 points per Rs. 150 on international spends |
- 4 points per Rs. 100 on Dining, Groceries - 2 points per Rs. 100 on other spends |
- 5 points per Rs. 100 on Dining, Departmental stores, Groceries - 2 points per Rs. 100 on other spends |
| Rewards Capping | Uncapped | UPI capped at 5000 points/month, Online uncapped | 10,000 points/month | 10,000 points/month | 7,500 points/month |
| Lounge Access | 3 complimentary international lounge accesses per year | N/A | Unlimited domestic and international lounge access | 2 complimentary international lounge accesses per year 4 domestic lounge accesses per quarter |
6 complimentary international lounge accesses per year 8 domestic lounge accesses per year |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver | N/A | 1% fuel surcharge waiver | 1% fuel surcharge waiver | 1% fuel surcharge waiver |
| Other Benefits | Preferred rates on limo services, concierge services, and other World Mastercard benefits | Concierge services, and other RuPay Platinum benefits | Golf course access, Concierge services | BookMyShow benefits, Dining offers | Movie tickets, Club Vistara membership, Concierge services |
| Unique Features | Phi and Pi cards come together and can be used across Domestic/International/UPI/Online/Offline | N/A | |||