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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Mastercard · Axis Bank
Lifetime free. 2% on bill pays; 1% on others — Best for lifetime-free · cashback · bill-payments.
Annual fee
Lifetime free
Visa · Axis Bank
12000 bonus points on ₹1L monthly; 5X on travel — Best for premium · travel · lounge-access.
Annual fee
₹12,500
Visa · HSBC India
2X reward points per ₹100 — Best for rewards.
Annual fee
₹500
Axis Bank
Annual Fee
Lifetime Free
Reward Rate
2% on bill pays; 1% on others
Welcome Benefit
—
Axis Bank
Annual Fee
₹12,500
Reward Rate
12000 bonus points on ₹1L monthly; 5X on travel
Welcome Benefit
—
HSBC India
Annual Fee
₹500
Reward Rate
2X reward points per ₹100
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 | Axis Ace Credit CardMastercard · Axis Bank | Axis Magnus Credit CardVisa · Axis Bank | HSBC Smart Value Credit CardVisa · HSBC India |
|---|---|---|---|
Card image |  |  |  |
Provider | Axis Bank | Axis Bank | HSBC India |
Card | |||
Annual fee | Lifetime FreeBest | ₹12,500 | ₹500 |
Joining fee | ₹0Best | ₹12,500 | ₹500 |
Reward rate | 2% on bill pays; 1% on others | 12000 bonus points on ₹1L monthly; 5X on travelBest | 2X reward points per ₹100 |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | Mastercard | Visa | Visa |
Best for | lifetime-free, cashback, bill-payments | premium, travel, lounge-access | rewards |
Apply |
Axis Bank
Lifetime free. 2% on bill pays; 1% on others — Best for lifetime-free · cashback · bill-payments.
Axis Bank
12000 bonus points on ₹1L monthly; 5X on travel — Best for premium · travel · lounge-access.
HSBC India
2X reward points per ₹100 — Best for rewards.
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