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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
Visa · ICICI Bank
2 reward points per ₹100 — Best for rewards.
Annual fee
₹3,000
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
₹3,000
Reward Rate
2 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 | HDFC Infinia Credit CardMastercard · HDFC Bank | ICICI Bank Rubyx Credit CardVisa · ICICI Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | Axis Bank | HDFC Bank | ICICI Bank |
Card | |||
Annual fee | Lifetime FreeBest | ₹12,500 | ₹3,000 |
Joining fee | ₹0Best | ₹12,500 | ₹3,000 |
Reward rate | 2% on bill pays; 1% on others | 5 reward points per ₹150Best | 2 reward points per ₹100 |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | Mastercard | Mastercard | Visa |
Best for | lifetime-free, cashback, bill-payments | premium, lounge-access, travel | rewards |
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
2 reward points per ₹100 — Best for rewards.
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