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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · Federal Bank
Lifetime free. 1 reward point per ₹100 — Best for lifetime-free · rewards.
Annual fee
Lifetime free
RuPay · Federal Bank
Lifetime free. 2X rewards on UPI — Best for rewards · upi · lifetime-free.
Annual fee
Lifetime free
Visa · HDFC Bank
Lifetime free. 1 reward point per ₹100 — Best for fuel · bill-payments.
Annual fee
Lifetime free
Federal Bank
Annual Fee
Lifetime Free
Reward Rate
1 reward point per ₹100
Welcome Benefit
—
Federal Bank
Annual Fee
Lifetime Free
Reward Rate
2X rewards on UPI
Welcome Benefit
—
HDFC Bank
Annual Fee
Lifetime Free
Reward Rate
1 reward point 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 | Federal Bank Celebration Credit CardVisa · Federal Bank | Federal Bank RuPay Credit CardRuPay · Federal Bank | HDFC Bank IRIS Credit CardVisa · HDFC Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | Federal Bank | Federal Bank | HDFC Bank |
Card | |||
Annual fee | Lifetime Free | Lifetime Free | Lifetime Free |
Joining fee | ₹0 | ₹0 | ₹0 |
Reward rate | 1 reward point per ₹100 | 2X rewards on UPI | 1 reward point per ₹100 |
Welcome benefit | — | — | — |
Lifetime free | Yes | Yes | Yes |
Network | Visa | RuPay | Visa |
Best for | lifetime-free, rewards | rewards, upi, lifetime-free | fuel, bill-payments |
Apply |
Federal Bank
Lifetime free. 1 reward point per ₹100 — Best for lifetime-free · rewards.
Federal Bank
Lifetime free. 2X rewards on UPI — Best for rewards · upi · lifetime-free.
HDFC Bank
Lifetime free. 1 reward point per ₹100 — Best for fuel · bill-payments.
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