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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · Axis Bank
12000 bonus points on ₹1L monthly; 5X on travel — Best for premium · travel · lounge-access.
Annual fee
₹12,500
Visa · HDFC Bank
5 reward points per ₹150 — Best for online-shopping · lifestyle.
Annual fee
₹500
Visa · HSBC India
Lifetime free. 2X rewards per ₹100 — Best for lifetime-free · rewards.
Annual fee
Lifetime free
Axis Bank
Annual Fee
₹12,500
Reward Rate
12000 bonus points on ₹1L monthly; 5X on travel
Welcome Benefit
—
HDFC Bank
Annual Fee
₹500
Reward Rate
5 reward points per ₹150
Welcome Benefit
—
HSBC India
Annual Fee
Lifetime Free
Reward Rate
2X rewards per ₹100
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 Magnus Credit CardVisa · Axis Bank | HDFC Bank Shopper's Stop Credit CardVisa · HDFC Bank | HSBC Visa Platinum Credit CardVisa · HSBC India |
|---|---|---|---|
Card image |  |  |  |
Provider | Axis Bank | HDFC Bank | HSBC India |
Card | |||
Annual fee | ₹12,500 | ₹500 | Lifetime FreeBest |
Joining fee | ₹12,500 | ₹500 | ₹0Best |
Reward rate | 12000 bonus points on ₹1L monthly; 5X on travelBest | 5 reward points per ₹150 | 2X rewards per ₹100 |
Welcome benefit | — | — | — |
Lifetime free | No | No | YesBest |
Network | Visa | Visa | Visa |
Best for | premium, travel, lounge-access | online-shopping, lifestyle | lifetime-free, rewards |
Apply |
Axis Bank
12000 bonus points on ₹1L monthly; 5X on travel — Best for premium · travel · lounge-access.
HDFC Bank
5 reward points per ₹150 — Best for online-shopping · lifestyle.
HSBC India
Lifetime free. 2X rewards per ₹100 — Best for lifetime-free · rewards.
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