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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Mastercard · Axis Bank
15X reward points on all spends — Best for premium · super-premium.
Annual fee
₹50,000
Visa · HDFC Bank
Lifetime free. 10X Reward Points / CashPoints on Big Basket, BookMyShow, OYO, Swiggy, Uber; … — Best for .
Annual fee
₹0
Visa · HSBC India
5X on travel — Best for travel.
Annual fee
₹3,000
Axis Bank
Annual Fee
₹50,000
Reward Rate
15X reward points on all spends
Welcome Benefit
—
HDFC Bank
Annual Fee
₹0
Reward Rate
10X Reward Points / CashPoints on Big Basket, BookMyShow, OYO, Swiggy, Uber; 2 Reward Points per ₹200 on other spends
Welcome Benefit
—
HSBC India
Annual Fee
₹3,000
Reward Rate
5X on travel
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 Reserve Credit CardMastercard · Axis Bank | HDFC Bank Freedom Credit CardVisa · HDFC Bank | HSBC TravelOne Credit CardVisa · HSBC India |
|---|---|---|---|
Card image |  |  |  |
Provider | Axis Bank | HDFC Bank | HSBC India |
Card | |||
Annual fee | ₹50,000 | ₹0Best | ₹3,000 |
Joining fee | ₹50,000 | ₹1,000Best | ₹3,000 |
Reward rate | 15X reward points on all spends | 10X Reward Points / CashPoints on Big Basket, BookMyShow, OYO, Swiggy, Uber; 2 Reward Points per ₹200 on other spendsBest | 5X on travel |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | Mastercard | Visa | Visa |
Best for | premium, super-premium | — | travel |
Apply |
Axis Bank
15X reward points on all spends — Best for premium · super-premium.
HDFC Bank
Lifetime free. 10X Reward Points / CashPoints on Big Basket, BookMyShow, OYO, Swiggy, Uber; … — Best for .
HSBC India
5X on travel — Best for travel.
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