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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
RuPay · HDFC Bank
2X reward points on UPI spends — Best for rewards · upi.
Annual fee
₹500
Mastercard · RBL Bank
5X reward points on all spends — Best for premium · rewards.
Annual fee
₹10,000
DBS Bank India
Annual Fee
Lifetime Free
Reward Rate
5X on online & 2X offline
Welcome Benefit
—
HDFC Bank
Annual Fee
₹500
Reward Rate
2X reward points on UPI spends
Welcome Benefit
—
RBL Bank
Annual Fee
₹10,000
Reward Rate
5X 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 | DBS Live Fresh Credit CardMastercard · DBS Bank India | HDFC Bank RuPay Credit CardRuPay · HDFC Bank | RBL Bank Infinite Credit CardMastercard · RBL Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | DBS Bank India | HDFC Bank | RBL Bank |
Card | |||
Annual fee | Lifetime FreeBest | ₹500 | ₹10,000 |
Joining fee | ₹0Best | ₹500 | ₹10,000 |
Reward rate | 5X on online & 2X offlineBest | 2X reward points on UPI spends | 5X reward points on all spends |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | Mastercard | RuPay | Mastercard |
Best for | online-shopping, lifetime-free | rewards, upi | premium, rewards |
Apply |
DBS Bank India
Lifetime free. 5X on online & 2X offline — Best for online-shopping · lifetime-free.
HDFC Bank
2X reward points on UPI spends — Best for rewards · upi.
RBL Bank
5X reward points on all spends — Best for premium · rewards.
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