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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
Visa · HDFC Bank
2 Marriott Bonvoy points per ₹150 — Best for travel · hotels · lounge-access.
Annual fee
₹3,000
Visa · IDFC FIRST Bank
3X on online; 2X offline — Best for online-shopping · rewards.
Annual fee
₹1,000
Federal Bank
Annual Fee
Lifetime Free
Reward Rate
1 reward point per ₹100
Welcome Benefit
—
HDFC Bank
Annual Fee
₹3,000
Reward Rate
2 Marriott Bonvoy points per ₹150
Welcome Benefit
—
IDFC FIRST Bank
Annual Fee
₹1,000
Reward Rate
3X on online; 2X offline
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 Marriott Bonvoy Credit CardVisa · HDFC Bank | IDFC FIRST Millennia Credit CardVisa · IDFC FIRST Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | Federal Bank | HDFC Bank | IDFC FIRST Bank |
Card | |||
Annual fee | Lifetime FreeBest | ₹3,000 | ₹1,000 |
Joining fee | ₹0Best | ₹3,000 | ₹1,000 |
Reward rate | 1 reward point per ₹100 | 2 Marriott Bonvoy points per ₹150Best | 3X on online; 2X offline |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | Visa | Visa | Visa |
Best for | lifetime-free, rewards | travel, hotels, lounge-access | online-shopping, rewards |
Apply |
Federal Bank
Lifetime free. 1 reward point per ₹100 — Best for lifetime-free · rewards.
HDFC Bank
2 Marriott Bonvoy points per ₹150 — Best for travel · hotels · lounge-access.
IDFC FIRST Bank
3X on online; 2X offline — Best for online-shopping · rewards.
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