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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · Axis Bank
10% cashback on Swiggy — Best for food-delivery · cashback.
Annual fee
₹500
Visa · HDFC Bank
5% NeuCoins on Tata purchases; 1.5% on others — Best for online-shopping · rewards.
Annual fee
₹1,500
Mastercard · ICICI Bank
2 reward points per ₹100 — Best for rewards · lifestyle.
Annual fee
₹3,000
Axis Bank
Annual Fee
₹500
Reward Rate
10% cashback on Swiggy
Welcome Benefit
—
HDFC Bank
Annual Fee
₹1,500
Reward Rate
5% NeuCoins on Tata purchases; 1.5% on others
Welcome Benefit
—
ICICI Bank
Annual Fee
₹3,000
Reward Rate
2 reward points per ₹100
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 Swiggy Credit CardVisa · Axis Bank | HDFC Bank Tata Neu Plus Credit CardVisa · HDFC Bank | ICICI Bank Gemstone Credit CardMastercard · ICICI Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | Axis Bank | HDFC Bank | ICICI Bank |
Card | |||
Annual fee | ₹500Best | ₹1,500 | ₹3,000 |
Joining fee | ₹500Best | ₹1,500 | ₹3,000 |
Reward rate | 10% cashback on Swiggy | 5% NeuCoins on Tata purchases; 1.5% on others | 2 reward points per ₹100Best |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | Visa | Visa | Mastercard |
Best for | food-delivery, cashback | online-shopping, rewards | rewards, lifestyle |
Apply |
Axis Bank
10% cashback on Swiggy — Best for food-delivery · cashback.
HDFC Bank
5% NeuCoins on Tata purchases; 1.5% on others — Best for online-shopping · rewards.
ICICI Bank
2 reward points per ₹100 — Best for rewards · lifestyle.
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