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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · HDFC Bank
Lifetime free. 10X Reward Points / CashPoints on Big Basket, BookMyShow, OYO, Swiggy, Uber; … — Best for .
Annual fee
₹0
Mastercard · HDFC Bank
5 reward points per ₹150 — Best for premium · lounge-access · travel.
Annual fee
₹12,500
Visa · SBI Card
10X reward points on health — Best for healthcare · rewards.
Annual fee
₹1,499
HDFC Bank
Annual Fee
₹0
Reward Rate
10X Reward Points / CashPoints on Big Basket, BookMyShow, OYO, Swiggy, Uber; 2 Reward Points per ₹200 on other spends
Welcome Benefit
—
HDFC Bank
Annual Fee
₹12,500
Reward Rate
5 reward points per ₹150
Welcome Benefit
—
SBI Card
Annual Fee
₹1,499
Reward Rate
10X reward points on health
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 Freedom Credit CardVisa · HDFC Bank | HDFC Infinia Credit CardMastercard · HDFC Bank | SBI Card PulseVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | HDFC Bank | HDFC Bank | SBI Card |
Card | |||
Annual fee | ₹0Best | ₹12,500 | ₹1,499 |
Joining fee | ₹1,000Best | ₹12,500 | ₹1,499 |
Reward rate | 10X Reward Points / CashPoints on Big Basket, BookMyShow, OYO, Swiggy, Uber; 2 Reward Points per ₹200 on other spendsBest | 5 reward points per ₹150 | 10X reward points on health |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | Visa | Mastercard | Visa |
Best for | — | premium, lounge-access, travel | healthcare, rewards |
Apply |
HDFC Bank
Lifetime free. 10X Reward Points / CashPoints on Big Basket, BookMyShow, OYO, Swiggy, Uber; … — Best for .
HDFC Bank
5 reward points per ₹150 — Best for premium · lounge-access · travel.
SBI Card
10X reward points on health — Best for healthcare · rewards.
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