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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 · HSBC India
5X on travel — Best for travel.
Annual fee
₹3,000
Visa · Niyo (DCB Bank)
Lifetime free. 2X rewards on forex spends — Best for travel · lifetime-free.
Annual fee
Lifetime free
Axis Bank
Annual Fee
₹500
Reward Rate
2X EDGE rewards on dining & movies
Welcome Benefit
—
HSBC India
Annual Fee
₹3,000
Reward Rate
5X on travel
Welcome Benefit
—
Niyo (DCB Bank)
Annual Fee
Lifetime Free
Reward Rate
2X rewards on forex 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 | HSBC TravelOne Credit CardVisa · HSBC India | Niyo Global Credit CardVisa · Niyo (DCB Bank) |
|---|---|---|---|
Card image |  |  |  |
Provider | Axis Bank | HSBC India | Niyo (DCB Bank) |
Card | |||
Annual fee | ₹500 | ₹3,000 | Lifetime FreeBest |
Joining fee | ₹500 | ₹3,000 | ₹0Best |
Reward rate | 2X EDGE rewards on dining & movies | 5X on travelBest | 2X rewards on forex spends |
Welcome benefit | — | — | — |
Lifetime free | No | No | YesBest |
Network | Mastercard | Visa | Visa |
Best for | dining, entertainment | travel | travel, lifetime-free |
Apply |
Axis Bank
2X EDGE rewards on dining & movies — Best for dining · entertainment.
HSBC India
5X on travel — Best for travel.
Niyo (DCB Bank)
Lifetime free. 2X rewards on forex spends — Best for travel · lifetime-free.
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