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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 · IDFC FIRST Bank
3X on online; 2X offline — Best for online-shopping · rewards.
Annual fee
₹1,000
Mastercard · Yes Bank
3X rewards on entertainment & dining — Best for entertainment · dining.
Annual fee
₹500
HDFC Bank
Annual Fee
₹500
Reward Rate
2 reward points per ₹150
Welcome Benefit
—
IDFC FIRST Bank
Annual Fee
₹1,000
Reward Rate
3X on online; 2X offline
Welcome Benefit
—
Yes Bank
Annual Fee
₹500
Reward Rate
3X rewards on entertainment & dining
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 | IDFC FIRST Millennia Credit CardVisa · IDFC FIRST Bank | Yes Bank Marvel Plus Credit CardMastercard · Yes Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | HDFC Bank | IDFC FIRST Bank | Yes Bank |
Card | |||
Annual fee | ₹500 | ₹1,000 | ₹500 |
Joining fee | ₹500 | ₹1,000 | ₹500 |
Reward rate | 2 reward points per ₹150Best | 3X on online; 2X offline | 3X rewards on entertainment & dining |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | Mastercard | Visa | Mastercard |
Best for | rewards, everyday | online-shopping, rewards | entertainment, dining |
Apply |
HDFC Bank
2 reward points per ₹150 — Best for rewards · everyday.
IDFC FIRST Bank
3X on online; 2X offline — Best for online-shopping · rewards.
Yes Bank
3X rewards on entertainment & dining — Best for entertainment · dining.
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