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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Mastercard · HDFC Bank
2 reward points per ₹150 — Best for rewards · everyday.
Annual fee
₹500
Visa · HDFC Bank
2 Marriott Bonvoy points per ₹150 — Best for travel · hotels · lounge-access.
Annual fee
₹3,000
Visa · ICICI Bank
Lifetime free. MMT Black membership; rewards on MMT — Best for travel · hotels.
Annual fee
Lifetime free
HDFC Bank
Annual Fee
₹500
Reward Rate
2 reward points per ₹150
Welcome Benefit
—
HDFC Bank
Annual Fee
₹3,000
Reward Rate
2 Marriott Bonvoy points per ₹150
Welcome Benefit
—
ICICI Bank
Annual Fee
Lifetime Free
Reward Rate
MMT Black membership; rewards on MMT
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 | HDFC Bank Bharat Credit CardMastercard · HDFC Bank | HDFC Bank Marriott Bonvoy Credit CardVisa · HDFC Bank | ICICI MakeMyTrip Credit CardVisa · ICICI Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | HDFC Bank | HDFC Bank | ICICI Bank |
Card | |||
Annual fee | ₹500 | ₹3,000 | Lifetime FreeBest |
Joining fee | ₹500 | ₹3,000 | ₹0Best |
Reward rate | 2 reward points per ₹150 | 2 Marriott Bonvoy points per ₹150 | MMT Black membership; rewards on MMT |
Welcome benefit | — | — | — |
Lifetime free | No | No | YesBest |
Network | Mastercard | Visa | Visa |
Best for | rewards, everyday | travel, hotels, lounge-access | travel, hotels |
Apply |
HDFC Bank
2 reward points per ₹150 — Best for rewards · everyday.
HDFC Bank
2 Marriott Bonvoy points per ₹150 — Best for travel · hotels · lounge-access.
ICICI Bank
Lifetime free. MMT Black membership; rewards on MMT — Best for travel · hotels.
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