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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
Visa · IDFC FIRST Bank
Lifetime free. 3X reward points on all spends — Best for lifetime-free · rewards · beginners.
Annual fee
Lifetime free
Visa · IndusInd Bank
5 reward points per ₹100 — Best for premium.
Annual fee
₹12,500
HDFC Bank
Annual Fee
Lifetime Free
Reward Rate
1 reward point per ₹100
Welcome Benefit
—
IDFC FIRST Bank
Annual Fee
Lifetime Free
Reward Rate
3X reward points on all spends
Welcome Benefit
—
IndusInd Bank
Annual Fee
₹12,500
Reward Rate
5 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 IRIS Credit CardVisa · HDFC Bank | IDFC FIRST Classic Credit CardVisa · IDFC FIRST Bank | IndusInd Bank Pinnacle Credit CardVisa · IndusInd Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | HDFC Bank | IDFC FIRST Bank | IndusInd Bank |
Card | |||
Annual fee | Lifetime Free | Lifetime Free | ₹12,500 |
Joining fee | ₹0 | ₹0 | ₹12,500 |
Reward rate | 1 reward point per ₹100 | 3X reward points on all spends | 5 reward points per ₹100Best |
Welcome benefit | — | — | — |
Lifetime free | Yes | Yes | No |
Network | Visa | Visa | Visa |
Best for | fuel, bill-payments | lifetime-free, rewards, beginners | premium |
Apply |
HDFC Bank
Lifetime free. 1 reward point per ₹100 — Best for fuel · bill-payments.
IDFC FIRST Bank
Lifetime free. 3X reward points on all spends — Best for lifetime-free · rewards · beginners.
IndusInd Bank
5 reward points per ₹100 — Best for premium.
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