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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
RuPay · Axis Bank
2X rewards on UPI spends — Best for rewards · upi.
Annual fee
₹500
Visa · HDFC Bank
2 Marriott Bonvoy points per ₹150 — Best for travel · hotels · lounge-access.
Annual fee
₹3,000
Visa · Uni (SBM Bank)
Lifetime free. 2X rewards on UPI — Best for upi · cashback · lifetime-free.
Annual fee
Lifetime free
Axis Bank
Annual Fee
₹500
Reward Rate
2X rewards on UPI spends
Welcome Benefit
—
HDFC Bank
Annual Fee
₹3,000
Reward Rate
2 Marriott Bonvoy points per ₹150
Welcome Benefit
—
Uni (SBM Bank)
Annual Fee
Lifetime Free
Reward Rate
2X rewards on UPI
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 Bank RuPay Credit CardRuPay · Axis Bank | HDFC Bank Marriott Bonvoy Credit CardVisa · HDFC Bank | Uni Pay Credit CardVisa · Uni (SBM Bank) |
|---|---|---|---|
Card image |  |  |  |
Provider | Axis Bank | HDFC Bank | Uni (SBM Bank) |
Card | |||
Annual fee | ₹500 | ₹3,000 | Lifetime FreeBest |
Joining fee | ₹500 | ₹3,000 | ₹0Best |
Reward rate | 2X rewards on UPI spends | 2 Marriott Bonvoy points per ₹150Best | 2X rewards on UPI |
Welcome benefit | — | — | — |
Lifetime free | No | No | YesBest |
Network | RuPay | Visa | Visa |
Best for | rewards, upi | travel, hotels, lounge-access | upi, cashback, lifetime-free |
Apply |
Axis Bank
2X rewards on UPI spends — Best for rewards · upi.
HDFC Bank
2 Marriott Bonvoy points per ₹150 — Best for travel · hotels · lounge-access.
Uni (SBM Bank)
Lifetime free. 2X rewards on UPI — Best for upi · cashback · lifetime-free.
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