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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
Visa · HDFC Bank
10X cashback on partner spends; 2X on PayZapp — Best for online-shopping · cashback.
Annual fee
₹500
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
—
HDFC Bank
Annual Fee
₹500
Reward Rate
10X cashback on partner spends; 2X on PayZapp
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 | HDFC Bank MoneyBack Plus Credit CardVisa · HDFC Bank | HDFC Bank Regalia Gold Credit CardMastercard · HDFC Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | Axis Bank | HDFC Bank | HDFC Bank |
Card | |||
Annual fee | Lifetime FreeBest | ₹500 | ₹2,500 |
Joining fee | ₹0Best | ₹500 | ₹2,500 |
Reward rate | 5% cashback on Google Pay | 10X cashback on partner spends; 2X on PayZapp | 4 reward points per ₹150Best |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | Visa | Visa | Mastercard |
Best for | bill-payments, cashback | online-shopping, cashback | travel, lounge-access, premium |
Apply |
Axis Bank
Lifetime free. 5% cashback on Google Pay — Best for bill-payments · cashback.
HDFC Bank
10X cashback on partner spends; 2X on PayZapp — Best for online-shopping · cashback.
HDFC Bank
4 reward points per ₹150 — Best for travel · lounge-access · premium.
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