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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 · HSBC India
2X reward points per ₹100 — Best for rewards.
Annual fee
₹500
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
₹50,000
Reward Rate
15X reward points on all spends
Welcome Benefit
—
HSBC India
Annual Fee
₹500
Reward Rate
2X reward points per ₹100
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 Reserve Credit CardMastercard · Axis Bank | HSBC Smart Value Credit CardVisa · HSBC India | IDFC FIRST Classic Credit CardVisa · IDFC FIRST Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | Axis Bank | HSBC India | IDFC FIRST Bank |
Card | |||
Annual fee | ₹50,000 | ₹500 | Lifetime FreeBest |
Joining fee | ₹50,000 | ₹500 | ₹0Best |
Reward rate | 15X reward points on all spends | 2X reward points per ₹100Best | 3X reward points on all spends |
Welcome benefit | — | — | — |
Lifetime free | No | No | YesBest |
Network | Mastercard | Visa | Visa |
Best for | premium, super-premium | rewards | lifetime-free, rewards, beginners |
Apply |
Axis Bank
15X reward points on all spends — Best for premium · super-premium.
HSBC India
2X reward points per ₹100 — Best for rewards.
IDFC FIRST Bank
Lifetime free. 3X reward points on all spends — Best for lifetime-free · rewards · beginners.
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