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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Mastercard · Axis Bank
5 EDGE Miles per ₹100 on travel via SmartHub; 2 elsewhere — 8+8 lounge visits per year
Annual fee
₹5,000
Mastercard · Axis Bank
15X reward points on all spends — Best for premium · super-premium.
Annual fee
₹50,000
Visa · HDFC Bank
5 reward points per ₹150 — Best for online-shopping · lifestyle.
Annual fee
₹500
Axis Bank
Annual Fee
₹5,000
Reward Rate
5 EDGE miles per ₹100 on travel; 2 elsewhere
Welcome Benefit
5,000 EDGE Miles on first txn within 30 days
Axis Bank
Annual Fee
₹50,000
Reward Rate
15X reward points on all spends
Welcome Benefit
—
HDFC Bank
Annual Fee
₹500
Reward Rate
5 reward points per ₹150
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 Atlas Credit CardMastercard · Axis Bank | Axis Reserve Credit CardMastercard · Axis Bank | HDFC Bank Shopper's Stop Credit CardVisa · HDFC Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | Axis Bank | Axis Bank | HDFC Bank |
Card | |||
Annual fee | ₹5,000 | ₹50,000 | ₹500Best |
Joining fee | ₹5,000 | ₹50,000 | ₹500Best |
Reward rate | 5 EDGE miles per ₹100 on travel; 2 elsewhereBest | 15X reward points on all spends | 5 reward points per ₹150 |
Welcome benefit | 5,000 EDGE Miles on first txn within 30 days | — | — |
Lifetime free | No | No | No |
Network | Mastercard | Mastercard | Visa |
Best for | travel, miles | premium, super-premium | online-shopping, lifestyle |
Apply |
Axis Bank
5 EDGE Miles per ₹100 on travel via SmartHub; 2 elsewhere — 8+8 lounge visits per year
Axis Bank
15X reward points on all spends — Best for premium · super-premium.
HDFC Bank
5 reward points per ₹150 — Best for online-shopping · lifestyle.
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