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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 · HDFC Bank
2 reward points per ₹150 — Best for rewards · everyday.
Annual fee
₹500
Visa · IDFC FIRST Bank
Lifetime free. 3X on top categories; 1X others — Best for lifetime-free · rewards · lounge-access.
Annual fee
Lifetime free
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
HDFC Bank
Annual Fee
₹500
Reward Rate
2 reward points per ₹150
Welcome Benefit
—
IDFC FIRST Bank
Annual Fee
Lifetime Free
Reward Rate
3X on top categories; 1X others
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 | HDFC Bank Bharat Credit CardMastercard · HDFC Bank | IDFC FIRST Select Credit CardVisa · IDFC FIRST Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | Axis Bank | HDFC Bank | IDFC FIRST Bank |
Card | |||
Annual fee | ₹5,000 | ₹500 | Lifetime FreeBest |
Joining fee | ₹5,000 | ₹500 | ₹0Best |
Reward rate | 5 EDGE miles per ₹100 on travel; 2 elsewhereBest | 2 reward points per ₹150 | 3X on top categories; 1X others |
Welcome benefit | 5,000 EDGE Miles on first txn within 30 days | — | — |
Lifetime free | No | No | YesBest |
Network | Mastercard | Mastercard | Visa |
Best for | travel, miles | rewards, everyday | lifetime-free, rewards, lounge-access |
Apply |
Axis Bank
5 EDGE Miles per ₹100 on travel via SmartHub; 2 elsewhere — 8+8 lounge visits per year
HDFC Bank
2 reward points per ₹150 — Best for rewards · everyday.
IDFC FIRST Bank
Lifetime free. 3X on top categories; 1X others — Best for lifetime-free · rewards · lounge-access.
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