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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 · HSBC India
Lifetime free. 2X rewards per ₹100 — Best for lifetime-free · rewards.
Annual fee
Lifetime free
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
—
HSBC India
Annual Fee
Lifetime Free
Reward Rate
2X rewards per ₹100
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 | HSBC Visa Platinum Credit CardVisa · HSBC India | IDFC FIRST Ashva Credit CardMastercard · IDFC FIRST Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | HDFC Bank | HSBC India | IDFC FIRST Bank |
Card | |||
Annual fee | ₹500 | Lifetime FreeBest | ₹5,000 |
Joining fee | ₹500 | ₹0Best | ₹5,000 |
Reward rate | 2 reward points per ₹150Best | 2X rewards per ₹100 | 10X reward points on all spends |
Welcome benefit | — | — | — |
Lifetime free | No | YesBest | No |
Network | Mastercard | Visa | Mastercard |
Best for | rewards, everyday | lifetime-free, rewards | rewards, premium |
Apply |
HDFC Bank
2 reward points per ₹150 — Best for rewards · everyday.
HSBC India
Lifetime free. 2X rewards per ₹100 — Best for lifetime-free · rewards.
IDFC FIRST Bank
10X reward points on all spends — Best for rewards · premium.
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