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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · Federal Bank
2 reward points per ₹100 — Best for rewards.
Annual fee
₹1,500
Visa · HDFC Bank
10X cashback on partner spends; 2X on PayZapp — Best for online-shopping · cashback.
Annual fee
₹500
RuPay · HDFC Bank
2X reward points on UPI spends — Best for rewards · upi.
Annual fee
₹500
Federal Bank
Annual Fee
₹1,500
Reward Rate
2 reward points per ₹100
Welcome Benefit
—
HDFC Bank
Annual Fee
₹500
Reward Rate
10X cashback on partner spends; 2X on PayZapp
Welcome Benefit
—
HDFC Bank
Annual Fee
₹500
Reward Rate
2X reward points on UPI spends
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 Visa Signature Credit CardVisa · Federal Bank | HDFC Bank MoneyBack Plus Credit CardVisa · HDFC Bank | HDFC Bank RuPay Credit CardRuPay · HDFC Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | Federal Bank | HDFC Bank | HDFC Bank |
Card | |||
Annual fee | ₹1,500 | ₹500 | ₹500 |
Joining fee | ₹1,500 | ₹500 | ₹500 |
Reward rate | 2 reward points per ₹100Best | 10X cashback on partner spends; 2X on PayZapp | 2X reward points on UPI spends |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | Visa | Visa | RuPay |
Best for | rewards | online-shopping, cashback | rewards, upi |
Apply |
Federal Bank
2 reward points per ₹100 — Best for rewards.
HDFC Bank
10X cashback on partner spends; 2X on PayZapp — Best for online-shopping · cashback.
HDFC Bank
2X reward points on UPI spends — Best for rewards · upi.
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