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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 · Standard Chartered
5X on travel & dining — Best for travel · dining.
Annual fee
₹2,500
Visa · Standard Chartered
Lifetime free. 5% cashback on fuel & utility — Best for fuel · bill-payments · lifetime-free.
Annual fee
Lifetime free
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
—
Standard Chartered
Annual Fee
₹2,500
Reward Rate
5X on travel & dining
Welcome Benefit
—
Standard Chartered
Annual Fee
Lifetime Free
Reward Rate
5% cashback on fuel & utility
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 | Standard Chartered Journey Credit CardMastercard · Standard Chartered | Standard Chartered Platinum Credit CardVisa · Standard Chartered |
|---|---|---|---|
Card image |  |  |  |
Provider | HDFC Bank | Standard Chartered | Standard Chartered |
Card | |||
Annual fee | ₹0 | ₹2,500 | Lifetime Free |
Joining fee | ₹1,000 | ₹2,500 | ₹0Best |
Reward rate | 10X Reward Points / CashPoints on Big Basket, BookMyShow, OYO, Swiggy, Uber; 2 Reward Points per ₹200 on other spendsBest | 5X on travel & dining | 5% cashback on fuel & utility |
Welcome benefit | — | — | — |
Lifetime free | No | No | YesBest |
Network | Visa | Mastercard | Visa |
Best for | — | travel, dining | fuel, bill-payments, lifetime-free |
Apply |
HDFC Bank
Lifetime free. 10X Reward Points / CashPoints on Big Basket, BookMyShow, OYO, Swiggy, Uber; … — Best for .
Standard Chartered
5X on travel & dining — Best for travel · dining.
Standard Chartered
Lifetime free. 5% cashback on fuel & utility — Best for fuel · bill-payments · lifetime-free.
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