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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
Mastercard · HDFC Bank
5 reward points per ₹150 — Best for premium · lounge-access · travel.
Annual fee
₹12,500
Mastercard · ICICI Bank
Lifetime free. 2X rewards on dining & lifestyle — Best for dining · lifestyle.
Annual fee
Lifetime free
Axis Bank
Annual Fee
Lifetime Free
Reward Rate
2% on bill pays; 1% on others
Welcome Benefit
—
HDFC Bank
Annual Fee
₹12,500
Reward Rate
5 reward points per ₹150
Welcome Benefit
—
ICICI Bank
Annual Fee
Lifetime Free
Reward Rate
2X rewards on dining & lifestyle
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 | HDFC Infinia Credit CardMastercard · HDFC Bank | ICICI Bank Femina Credit CardMastercard · ICICI Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | Axis Bank | HDFC Bank | ICICI Bank |
Card | |||
Annual fee | Lifetime Free | ₹12,500 | Lifetime Free |
Joining fee | ₹0 | ₹12,500 | ₹0 |
Reward rate | 2% on bill pays; 1% on others | 5 reward points per ₹150Best | 2X rewards on dining & lifestyle |
Welcome benefit | — | — | — |
Lifetime free | Yes | No | Yes |
Network | Mastercard | Mastercard | Mastercard |
Best for | lifetime-free, cashback, bill-payments | premium, lounge-access, travel | dining, lifestyle |
Apply |
Axis Bank
Lifetime free. 2% on bill pays; 1% on others — Best for lifetime-free · cashback · bill-payments.
HDFC Bank
5 reward points per ₹150 — Best for premium · lounge-access · travel.
ICICI Bank
Lifetime free. 2X rewards on dining & lifestyle — Best for dining · lifestyle.
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