Tool
Compare credit cards
Pick two to four cards and compare them head-to-head — fees, rewards, eligibility, and benefits.
| Spec |  Federal Bank RuPay Credit Card Federal Bank RuPay |  HDFC Bank PayZapp Credit Card HDFC Bank Visa |
|---|---|---|
| Issuer | Federal Bank | HDFC Bank |
| Network | RuPay | Visa |
| Annual fee | ₹250/yr | ₹500/yr |
| Joining fee | ₹250 | ₹500 |
| Annual fee waiver | Waived on annual spends ≥ ₹30,000 | Waived on annual spends ≥ ₹1,00,000 |
| Reward rate | 1x on all spend | 5x on all spend |
| Top earn category | — | — |
| Top benefits | RuPay UPI Credit Line Linking | 5% Cashback on PayZapp |
| Lounge access | — | — |
| Forex markup | 3.5% | 3.5% |
| Min. income | ₹2,00,000 | ₹3,00,000 |
| Eligibility |
|
|
| Lifetime free | No | No |
| Apply | Apply ↗ | Apply ↗ |
Figures are the latest we have verified against issuer fee schedules; the issuer may change them. Apply links route through our affiliate tracker before opening the issuer's site.
How we build these comparisons
Every figure comes from the issuer's published fee schedules and T&Cs, re-checked weekly. We take affiliate commissions when you apply through our links, never for rankings — see our review methodology and affiliate disclosure.
Common questions
Which fields should I focus on?
Annual fee (first year vs renewal), reward rate (₹ earned per ₹100 spent), and lounge access are the three most impactful fields for most people. If you travel internationally, check the forex markup field too.
Why do some cards show "Varies"?
Some issuers don't publish a fixed annual fee — it depends on your relationship, card variant, or is disclosed only at application. We show "Varies" when we can't confirm a precise number.
How many cards should I compare at once?
Four slots are available. Comparing more than four at once makes the table hard to read. We recommend comparing 2–3 similar-tier cards side-by-side to see which has the better fee-to-rewards ratio for your spend.
Does the compare tool affect my CIBIL score?
No. This tool only reads the published fee schedules — no credit check is triggered. Only a formal card application with an issuer causes a hard inquiry on your CIBIL report.