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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
Visa · Niyo (DCB Bank)
Lifetime free. 2X rewards on forex spends — Best for travel · lifetime-free.
Annual fee
Lifetime free
Mastercard · RBL Bank
2X reward points per ₹100 — Best for rewards.
Annual fee
₹500
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
—
Niyo (DCB Bank)
Annual Fee
Lifetime Free
Reward Rate
2X rewards on forex spends
Welcome Benefit
—
RBL Bank
Annual Fee
₹500
Reward Rate
2X reward points per ₹100
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 | Niyo Global Credit CardVisa · Niyo (DCB Bank) | RBL Bank Platinum Plus Credit CardMastercard · RBL Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | HDFC Bank | Niyo (DCB Bank) | RBL Bank |
Card | |||
Annual fee | ₹0 | Lifetime Free | ₹500 |
Joining fee | ₹1,000 | ₹0Best | ₹500 |
Reward rate | 10X Reward Points / CashPoints on Big Basket, BookMyShow, OYO, Swiggy, Uber; 2 Reward Points per ₹200 on other spendsBest | 2X rewards on forex spends | 2X reward points per ₹100 |
Welcome benefit | — | — | — |
Lifetime free | No | YesBest | No |
Network | Visa | Visa | Mastercard |
Best for | — | travel, lifetime-free | rewards |
Apply |
HDFC Bank
Lifetime free. 10X Reward Points / CashPoints on Big Basket, BookMyShow, OYO, Swiggy, Uber; … — Best for .
Niyo (DCB Bank)
Lifetime free. 2X rewards on forex spends — Best for travel · lifetime-free.
RBL Bank
2X reward points per ₹100 — Best for rewards.
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