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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
RuPay · HDFC Bank
2X reward points on UPI spends — Best for rewards · upi.
Annual fee
₹500
Mastercard · IDFC FIRST Bank
10X reward points on all spends — Best for rewards · premium.
Annual fee
₹5,000
HDFC Bank
Annual Fee
₹500
Reward Rate
2 reward points per ₹150
Welcome Benefit
—
HDFC Bank
Annual Fee
₹500
Reward Rate
2X reward points on UPI spends
Welcome Benefit
—
IDFC FIRST Bank
Annual Fee
₹5,000
Reward Rate
10X reward points on all 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 | HDFC Bank Bharat Credit CardMastercard · HDFC Bank | HDFC Bank RuPay Credit CardRuPay · HDFC Bank | IDFC FIRST Ashva Credit CardMastercard · IDFC FIRST Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | HDFC Bank | HDFC Bank | IDFC FIRST Bank |
Card | |||
Annual fee | ₹500 | ₹500 | ₹5,000 |
Joining fee | ₹500 | ₹500 | ₹5,000 |
Reward rate | 2 reward points per ₹150Best | 2X reward points on UPI spends | 10X reward points on all spends |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | Mastercard | RuPay | Mastercard |
Best for | rewards, everyday | rewards, upi | rewards, premium |
Apply |
HDFC Bank
2 reward points per ₹150 — Best for rewards · everyday.
HDFC Bank
2X reward points on UPI spends — Best for rewards · upi.
IDFC FIRST Bank
10X reward points on all spends — Best for rewards · premium.
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