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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · Axis Bank
15 EDGE Reward Points per Rs 200 (effective 6% back via 5:4 redemption) — Best for .
Annual fee
₹50,000
Mastercard · HDFC Bank
2 reward points per ₹150 — Best for rewards · everyday.
Annual fee
₹500
Visa · HDFC Bank
Lifetime free. 10X Reward Points / CashPoints on Big Basket, BookMyShow, OYO, Swiggy, Uber; … — Best for .
Annual fee
₹0
Axis Bank
Annual Fee
₹50,000
Reward Rate
15 EDGE Reward Points per Rs 200 (effective 6% back via 5:4 redemption)
Welcome Benefit
—
HDFC Bank
Annual Fee
₹500
Reward Rate
2 reward points per ₹150
Welcome Benefit
—
HDFC Bank
Annual Fee
₹0
Reward Rate
10X Reward Points / CashPoints on Big Basket, BookMyShow, OYO, Swiggy, Uber; 2 Reward Points per ₹200 on other 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 Bank Burgundy Private Credit Card (The One Card)Visa · Axis Bank | HDFC Bank Bharat Credit CardMastercard · HDFC Bank | HDFC Bank Freedom Credit CardVisa · HDFC Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | Axis Bank | HDFC Bank | HDFC Bank |
Card | |||
Annual fee | ₹50,000 | ₹500 | ₹0Best |
Joining fee | ₹50,000 | ₹500Best | ₹1,000 |
Reward rate | 15 EDGE Reward Points per Rs 200 (effective 6% back via 5:4 redemption)Best | 2 reward points per ₹150 | 10X Reward Points / CashPoints on Big Basket, BookMyShow, OYO, Swiggy, Uber; 2 Reward Points per ₹200 on other spends |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | Visa | Mastercard | Visa |
Best for | — | rewards, everyday | — |
Apply |
Axis Bank
15 EDGE Reward Points per Rs 200 (effective 6% back via 5:4 redemption) — Best for .
HDFC Bank
2 reward points per ₹150 — Best for rewards · everyday.
HDFC Bank
Lifetime free. 10X Reward Points / CashPoints on Big Basket, BookMyShow, OYO, Swiggy, Uber; … — Best for .
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