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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
Mastercard · HDFC Bank
2 reward points per ₹150 — Best for rewards · everyday.
Annual fee
₹500
Visa · IDFC FIRST Bank
Lifetime free. 3X rewards + wealth benefits — Best for lifetime-free · rewards · premium.
Annual fee
Lifetime free
Federal Bank
Annual Fee
Lifetime Free
Reward Rate
1 reward point per ₹100
Welcome Benefit
—
HDFC Bank
Annual Fee
₹500
Reward Rate
2 reward points per ₹150
Welcome Benefit
—
IDFC FIRST Bank
Annual Fee
Lifetime Free
Reward Rate
3X rewards + wealth benefits
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 | HDFC Bank Bharat Credit CardMastercard · HDFC Bank | IDFC FIRST Wealth Credit CardVisa · IDFC FIRST Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | Federal Bank | HDFC Bank | IDFC FIRST Bank |
Card | |||
Annual fee | Lifetime Free | ₹500 | Lifetime Free |
Joining fee | ₹0 | ₹500 | ₹0 |
Reward rate | 1 reward point per ₹100 | 2 reward points per ₹150Best | 3X rewards + wealth benefits |
Welcome benefit | — | — | — |
Lifetime free | Yes | No | Yes |
Network | Visa | Mastercard | Visa |
Best for | lifetime-free, rewards | rewards, everyday | lifetime-free, rewards, premium |
Apply |
Federal Bank
Lifetime free. 1 reward point per ₹100 — Best for lifetime-free · rewards.
HDFC Bank
2 reward points per ₹150 — Best for rewards · everyday.
IDFC FIRST Bank
Lifetime free. 3X rewards + wealth benefits — Best for lifetime-free · rewards · premium.
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