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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
RuPay · Federal Bank
Lifetime free. 2X rewards on UPI — Best for rewards · upi · lifetime-free.
Annual fee
Lifetime free
Visa · HDFC Bank
5X rewards on Amazon/Flipkart/Myntra; 1X on others — Best for online-shopping · cashback.
Annual fee
₹1,000
Visa · IndusInd Bank
3 reward points per ₹100 — Best for rewards · premium.
Annual fee
₹3,000
Federal Bank
Annual Fee
Lifetime Free
Reward Rate
2X rewards on UPI
Welcome Benefit
—
HDFC Bank
Annual Fee
₹1,000
Reward Rate
5X rewards on Amazon/Flipkart/Myntra; 1X on others
Welcome Benefit
—
IndusInd Bank
Annual Fee
₹3,000
Reward Rate
3 reward points 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 RuPay Credit CardRuPay · Federal Bank | HDFC Bank Millennia Credit CardVisa · HDFC Bank | IndusInd Bank Legend Credit CardVisa · IndusInd Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | Federal Bank | HDFC Bank | IndusInd Bank |
Card | |||
Annual fee | Lifetime FreeBest | ₹1,000 | ₹3,000 |
Joining fee | ₹0Best | ₹1,000 | ₹3,000 |
Reward rate | 2X rewards on UPI | 5X rewards on Amazon/Flipkart/Myntra; 1X on others | 3 reward points per ₹100Best |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | RuPay | Visa | Visa |
Best for | rewards, upi, lifetime-free | online-shopping, cashback | rewards, premium |
Apply |
Federal Bank
Lifetime free. 2X rewards on UPI — Best for rewards · upi · lifetime-free.
HDFC Bank
5X rewards on Amazon/Flipkart/Myntra; 1X on others — Best for online-shopping · cashback.
IndusInd Bank
3 reward points per ₹100 — Best for rewards · premium.
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