We use analytics cookies to understand how visitors interact with our site. By continuing you agree to our use of cookies as described in our Privacy Policy.
3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Mastercard · DBS Bank India
Lifetime free. 5X on online & 2X offline — Best for online-shopping · lifetime-free.
Annual fee
Lifetime free
Mastercard · HDFC Bank
2 reward points per ₹150 — Best for rewards · everyday.
Annual fee
₹500
Visa · Uni (SBM Bank)
Lifetime free. 1.5X rewards on all spends — Best for rewards · lifetime-free.
Annual fee
Lifetime free
DBS Bank India
Annual Fee
Lifetime Free
Reward Rate
5X on online & 2X offline
Welcome Benefit
—
HDFC Bank
Annual Fee
₹500
Reward Rate
2 reward points per ₹150
Welcome Benefit
—
Uni (SBM Bank)
Annual Fee
Lifetime Free
Reward Rate
1.5X rewards 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 | DBS Live Fresh Credit CardMastercard · DBS Bank India | HDFC Bank Bharat Credit CardMastercard · HDFC Bank | Uni Credit CardVisa · Uni (SBM Bank) |
|---|---|---|---|
Card image |  |  |  |
Provider | DBS Bank India | HDFC Bank | Uni (SBM Bank) |
Card | |||
Annual fee | Lifetime Free | ₹500 | Lifetime Free |
Joining fee | ₹0 | ₹500 | ₹0 |
Reward rate | 5X on online & 2X offline | 2 reward points per ₹150Best | 1.5X rewards on all spends |
Welcome benefit | — | — | — |
Lifetime free | Yes | No | Yes |
Network | Mastercard | Mastercard | Visa |
Best for | online-shopping, lifetime-free | rewards, everyday | rewards, lifetime-free |
Apply |
DBS Bank India
Lifetime free. 5X on online & 2X offline — Best for online-shopping · lifetime-free.
HDFC Bank
2 reward points per ₹150 — Best for rewards · everyday.
Uni (SBM Bank)
Lifetime free. 1.5X rewards on all spends — Best for rewards · lifetime-free.
Related Guides
In-depth guides on rewards, lounge access, forex and more.
Related Comparisons
Compare any two cards side-by-side across 140+ issuers.
