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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. 1 reward point per ₹100 — Best for fuel · bill-payments.
Annual fee
Lifetime free
American Express · ICICI Bank
Lifetime free. 5% back for Prime on Amazon; 3% for non-Prime — Best for online-shopping · amazon · lifetime-free.
Annual fee
Lifetime free
Mastercard · SBI Card
5% cashback on top online brands; 1% on others — Best for cashback · online-shopping.
Annual fee
₹999
HDFC Bank
Annual Fee
Lifetime Free
Reward Rate
1 reward point per ₹100
Welcome Benefit
—
ICICI Bank
Annual Fee
Lifetime Free
Reward Rate
5% back for Prime on Amazon; 3% for non-Prime
Welcome Benefit
—
SBI Card
Annual Fee
₹999
Reward Rate
5% cashback on top online brands; 1% on others
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 IRIS Credit CardVisa · HDFC Bank | ICICI Amazon Pay Credit CardAmerican Express · ICICI Bank | SBI Cashback Credit CardMastercard · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | HDFC Bank | ICICI Bank | SBI Card |
Card | |||
Annual fee | Lifetime Free | Lifetime Free | ₹999 |
Joining fee | ₹0 | ₹0 | ₹999 |
Reward rate | 1 reward point per ₹100Best | 5% back for Prime on Amazon; 3% for non-Prime | 5% cashback on top online brands; 1% on others |
Welcome benefit | — | — | — |
Lifetime free | Yes | Yes | No |
Network | Visa | American Express | Mastercard |
Best for | fuel, bill-payments | online-shopping, amazon, lifetime-free | cashback, online-shopping |
Apply |
HDFC Bank
Lifetime free. 1 reward point per ₹100 — Best for fuel · bill-payments.
ICICI Bank
Lifetime free. 5% back for Prime on Amazon; 3% for non-Prime — Best for online-shopping · amazon · lifetime-free.
SBI Card
5% cashback on top online brands; 1% on others — Best for cashback · online-shopping.
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