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
5 reward points per ₹150 — Best for premium · lounge-access · travel.
Annual fee
₹12,500
Mastercard · IDFC FIRST Bank
10X reward points on all spends — Best for rewards · premium.
Annual fee
₹5,000
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
₹12,500
Reward Rate
5 reward points per ₹150
Welcome Benefit
—
IDFC FIRST Bank
Annual Fee
₹5,000
Reward Rate
10X reward points on all spends
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 Infinia Credit CardMastercard · HDFC Bank | IDFC FIRST Ashva Credit CardMastercard · IDFC FIRST Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | Axis Bank | HDFC Bank | IDFC FIRST Bank |
Card | |||
Annual fee | ₹5,000 | ₹12,500 | ₹5,000 |
Joining fee | ₹5,000 | ₹12,500 | ₹5,000 |
Reward rate | 5 EDGE miles per ₹100 on travel; 2 elsewhereBest | 5 reward points per ₹150 | 10X reward points on all spends |
Welcome benefit | 5,000 EDGE Miles on first txn within 30 days | — | — |
Lifetime free | No | No | No |
Network | Mastercard | Mastercard | Mastercard |
Best for | travel, miles | premium, lounge-access, travel | rewards, premium |
Apply |
Axis Bank
5 EDGE Miles per ₹100 on travel via SmartHub; 2 elsewhere — 8+8 lounge visits per year
HDFC Bank
5 reward points per ₹150 — Best for premium · lounge-access · travel.
IDFC FIRST Bank
10X reward points on all spends — Best for rewards · premium.
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