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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 · SBI Card
2 reward points per ₹100 — Best for rewards.
Annual fee
₹500
Mastercard · Standard Chartered
5% cashback on fuel — Best for fuel.
Annual fee
₹750
HDFC Bank
Annual Fee
Lifetime Free
Reward Rate
1 reward point per ₹100
Welcome Benefit
—
SBI Card
Annual Fee
₹500
Reward Rate
2 reward points per ₹100
Welcome Benefit
—
Standard Chartered
Annual Fee
₹750
Reward Rate
5% cashback on 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 Bank IRIS Credit CardVisa · HDFC Bank | SBI ApL Platinum Credit CardVisa · SBI Card | Standard Chartered Titanium Credit CardMastercard · Standard Chartered |
|---|---|---|---|
Card image |  |  |  |
Provider | HDFC Bank | SBI Card | Standard Chartered |
Card | |||
Annual fee | Lifetime FreeBest | ₹500 | ₹750 |
Joining fee | ₹0Best | ₹500 | ₹750 |
Reward rate | 1 reward point per ₹100 | 2 reward points per ₹100Best | 5% cashback on fuel |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | Visa | Visa | Mastercard |
Best for | fuel, bill-payments | rewards | fuel |
Apply |
HDFC Bank
Lifetime free. 1 reward point per ₹100 — Best for fuel · bill-payments.
SBI Card
2 reward points per ₹100 — Best for rewards.
Standard Chartered
5% cashback on fuel — Best for fuel.
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