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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · Axis Bank
Lifetime free. 5% cashback on Google Pay — Best for bill-payments · cashback.
Annual fee
Lifetime free
Mastercard · DBS Bank India
Lifetime free. 5X on online & 2X offline — Best for online-shopping · lifetime-free.
Annual fee
Lifetime free
Mastercard · HDFC Bank
4 reward points per ₹150 — Best for travel · lounge-access · premium.
Annual fee
₹2,500
Axis Bank
Annual Fee
Lifetime Free
Reward Rate
5% cashback on Google Pay
Welcome Benefit
—
DBS Bank India
Annual Fee
Lifetime Free
Reward Rate
5X on online & 2X offline
Welcome Benefit
—
HDFC Bank
Annual Fee
₹2,500
Reward Rate
4 reward points per ₹150
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 Neo Credit CardVisa · Axis Bank | DBS Live Fresh Credit CardMastercard · DBS Bank India | HDFC Bank Regalia Gold Credit CardMastercard · HDFC Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | Axis Bank | DBS Bank India | HDFC Bank |
Card | |||
Annual fee | Lifetime Free | Lifetime Free | ₹2,500 |
Joining fee | ₹0 | ₹0 | ₹2,500 |
Reward rate | 5% cashback on Google Pay | 5X on online & 2X offline | 4 reward points per ₹150Best |
Welcome benefit | — | — | — |
Lifetime free | Yes | Yes | No |
Network | Visa | Mastercard | Mastercard |
Best for | bill-payments, cashback | online-shopping, lifetime-free | travel, lounge-access, premium |
Apply |
Axis Bank
Lifetime free. 5% cashback on Google Pay — Best for bill-payments · cashback.
DBS Bank India
Lifetime free. 5X on online & 2X offline — Best for online-shopping · lifetime-free.
HDFC Bank
4 reward points per ₹150 — Best for travel · lounge-access · premium.
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