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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Mastercard · Axis Bank
2X EDGE rewards on dining & movies — Best for dining · entertainment.
Annual fee
₹500
Visa · HDFC Bank
5% NeuCoins on Tata; 1.5% on others — Best for online-shopping · premium · rewards.
Annual fee
₹5,000
Visa · IDFC FIRST Bank
Lifetime free. 3X reward points on all spends — Best for lifetime-free · rewards · beginners.
Annual fee
Lifetime free
Axis Bank
Annual Fee
₹500
Reward Rate
2X EDGE rewards on dining & movies
Welcome Benefit
—
HDFC Bank
Annual Fee
₹5,000
Reward Rate
5% NeuCoins on Tata; 1.5% on others
Welcome Benefit
—
IDFC FIRST Bank
Annual Fee
Lifetime Free
Reward Rate
3X 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 MyZone Credit CardMastercard · Axis Bank | HDFC Bank Tata Neu Infinity Credit CardVisa · HDFC Bank | IDFC FIRST Classic Credit CardVisa · IDFC FIRST Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | Axis Bank | HDFC Bank | IDFC FIRST Bank |
Card | |||
Annual fee | ₹500 | ₹5,000 | Lifetime FreeBest |
Joining fee | ₹500 | ₹5,000 | ₹0Best |
Reward rate | 2X EDGE rewards on dining & movies | 5% NeuCoins on Tata; 1.5% on othersBest | 3X reward points on all spends |
Welcome benefit | — | — | — |
Lifetime free | No | No | YesBest |
Network | Mastercard | Visa | Visa |
Best for | dining, entertainment | online-shopping, premium, rewards | lifetime-free, rewards, beginners |
Apply |
Axis Bank
2X EDGE rewards on dining & movies — Best for dining · entertainment.
HDFC Bank
5% NeuCoins on Tata; 1.5% on others — Best for online-shopping · premium · rewards.
IDFC FIRST Bank
Lifetime free. 3X reward points on all spends — Best for lifetime-free · rewards · beginners.
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