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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 · HSBC India
3 reward points per ₹100 — Best for premium · rewards.
Annual fee
₹5,000
Visa · ICICI Bank
Lifetime free. 1 payback point per ₹100 — Best for lifetime-free · beginners.
Annual fee
Lifetime free
Federal Bank
Annual Fee
Lifetime Free
Reward Rate
2X rewards on UPI
Welcome Benefit
—
HSBC India
Annual Fee
₹5,000
Reward Rate
3 reward points per ₹100
Welcome Benefit
—
ICICI Bank
Annual Fee
Lifetime Free
Reward Rate
1 payback 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 RuPay Credit CardRuPay · Federal Bank | HSBC Premier Credit CardVisa · HSBC India | ICICI Platinum Credit CardVisa · ICICI Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | Federal Bank | HSBC India | ICICI Bank |
Card | |||
Annual fee | Lifetime Free | ₹5,000 | Lifetime Free |
Joining fee | ₹0 | ₹5,000 | ₹0 |
Reward rate | 2X rewards on UPI | 3 reward points per ₹100Best | 1 payback point per ₹100 |
Welcome benefit | — | — | — |
Lifetime free | Yes | No | Yes |
Network | RuPay | Visa | Visa |
Best for | rewards, upi, lifetime-free | premium, rewards | lifetime-free, beginners |
Apply |
Federal Bank
Lifetime free. 2X rewards on UPI — Best for rewards · upi · lifetime-free.
HSBC India
3 reward points per ₹100 — Best for premium · rewards.
ICICI Bank
Lifetime free. 1 payback point per ₹100 — Best for lifetime-free · beginners.
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