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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Mastercard · HDFC Bank
5 reward points per ₹150 — Best for premium · lounge-access · travel.
Annual fee
₹12,500
Visa · HSBC India
2X reward points per ₹100 — Best for rewards.
Annual fee
₹500
American Express · ICICI Bank
4 reward points per ₹100 — Best for premium · travel · rewards.
Annual fee
₹6,500
HDFC Bank
Annual Fee
₹12,500
Reward Rate
5 reward points per ₹150
Welcome Benefit
—
HSBC India
Annual Fee
₹500
Reward Rate
2X reward points per ₹100
Welcome Benefit
—
ICICI Bank
Annual Fee
₹6,500
Reward Rate
4 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 Infinia Credit CardMastercard · HDFC Bank | HSBC Smart Value Credit CardVisa · HSBC India | ICICI Sapphiro Credit CardAmerican Express · ICICI Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | HDFC Bank | HSBC India | ICICI Bank |
Card | |||
Annual fee | ₹12,500 | ₹500Best | ₹6,500 |
Joining fee | ₹12,500 | ₹500Best | ₹6,500 |
Reward rate | 5 reward points per ₹150Best | 2X reward points per ₹100 | 4 reward points per ₹100 |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | Mastercard | Visa | American Express |
Best for | premium, lounge-access, travel | rewards | premium, travel, rewards |
Apply |
HDFC Bank
5 reward points per ₹150 — Best for premium · lounge-access · travel.
HSBC India
2X reward points per ₹100 — Best for rewards.
ICICI Bank
4 reward points per ₹100 — Best for premium · travel · rewards.
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