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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · HDFC Bank
5X rewards on Amazon/Flipkart/Myntra; 1X on others — Best for online-shopping · cashback.
Annual fee
₹1,000
Visa · IDFC FIRST Bank
Lifetime free. 3X on top categories; 1X others — Best for lifetime-free · rewards · lounge-access.
Annual fee
Lifetime free
Mastercard · RBL Bank
5X reward points on all spends — Best for premium · rewards.
Annual fee
₹10,000
HDFC Bank
Annual Fee
₹1,000
Reward Rate
5X rewards on Amazon/Flipkart/Myntra; 1X on others
Welcome Benefit
—
IDFC FIRST Bank
Annual Fee
Lifetime Free
Reward Rate
3X on top categories; 1X others
Welcome Benefit
—
RBL Bank
Annual Fee
₹10,000
Reward Rate
5X reward points on all spends
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 Millennia Credit CardVisa · HDFC Bank | IDFC FIRST Select Credit CardVisa · IDFC FIRST Bank | RBL Bank Infinite Credit CardMastercard · RBL Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | HDFC Bank | IDFC FIRST Bank | RBL Bank |
Card | |||
Annual fee | ₹1,000 | Lifetime FreeBest | ₹10,000 |
Joining fee | ₹1,000 | ₹0Best | ₹10,000 |
Reward rate | 5X rewards on Amazon/Flipkart/Myntra; 1X on othersBest | 3X on top categories; 1X others | 5X reward points on all spends |
Welcome benefit | — | — | — |
Lifetime free | No | YesBest | No |
Network | Visa | Visa | Mastercard |
Best for | online-shopping, cashback | lifetime-free, rewards, lounge-access | premium, rewards |
Apply |
HDFC Bank
5X rewards on Amazon/Flipkart/Myntra; 1X on others — Best for online-shopping · cashback.
IDFC FIRST Bank
Lifetime free. 3X on top categories; 1X others — Best for lifetime-free · rewards · lounge-access.
RBL Bank
5X reward points on all spends — Best for premium · rewards.
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