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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 · Niyo (DCB Bank)
Lifetime free. 2X rewards on forex spends — Best for travel · lifetime-free.
Annual fee
Lifetime free
Mastercard · RBL Bank
5X on dining & fuel — Best for dining · fuel.
Annual fee
₹1,000
HDFC Bank
Annual Fee
₹12,500
Reward Rate
5 reward points per ₹150
Welcome Benefit
—
Niyo (DCB Bank)
Annual Fee
Lifetime Free
Reward Rate
2X rewards on forex spends
Welcome Benefit
—
RBL Bank
Annual Fee
₹1,000
Reward Rate
5X on dining & fuel
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 | Niyo Global Credit CardVisa · Niyo (DCB Bank) | RBL Bank Edge Credit CardMastercard · RBL Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | HDFC Bank | Niyo (DCB Bank) | RBL Bank |
Card | |||
Annual fee | ₹12,500 | Lifetime FreeBest | ₹1,000 |
Joining fee | ₹12,500 | ₹0Best | ₹1,000 |
Reward rate | 5 reward points per ₹150Best | 2X rewards on forex spends | 5X on dining & fuel |
Welcome benefit | — | — | — |
Lifetime free | No | YesBest | No |
Network | Mastercard | Visa | Mastercard |
Best for | premium, lounge-access, travel | travel, lifetime-free | dining, fuel |
Apply |
HDFC Bank
5 reward points per ₹150 — Best for premium · lounge-access · travel.
Niyo (DCB Bank)
Lifetime free. 2X rewards on forex spends — Best for travel · lifetime-free.
RBL Bank
5X on dining & fuel — Best for dining · fuel.
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