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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
Visa · HDFC Bank
5X rewards on PayZapp — Best for online-shopping · cashback.
Annual fee
₹500
Mastercard · RBL Bank
Lifetime free. 2X reward points on online — Best for online-shopping · lifetime-free.
Annual fee
Lifetime free
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
5X rewards on PayZapp
Welcome Benefit
—
RBL Bank
Annual Fee
Lifetime Free
Reward Rate
2X reward points on online
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 PayZapp Credit CardVisa · HDFC Bank | RBL Bank ShopRite Credit CardMastercard · RBL Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | Axis Bank | HDFC Bank | RBL Bank |
Card | |||
Annual fee | ₹50,000 | ₹500 | Lifetime FreeBest |
Joining fee | ₹50,000 | ₹500 | ₹0Best |
Reward rate | 15 EDGE Reward Points per Rs 200 (effective 6% back via 5:4 redemption)Best | 5X rewards on PayZapp | 2X reward points on online |
Welcome benefit | — | — | — |
Lifetime free | No | No | YesBest |
Network | Visa | Visa | Mastercard |
Best for | — | online-shopping, cashback | online-shopping, lifetime-free |
Apply |
Axis Bank
15 EDGE Reward Points per Rs 200 (effective 6% back via 5:4 redemption) — Best for .
HDFC Bank
5X rewards on PayZapp — Best for online-shopping · cashback.
RBL Bank
Lifetime free. 2X reward points on online — Best for online-shopping · lifetime-free.
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