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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · HDFC Bank
10X cashback on partner spends; 2X on PayZapp — Best for online-shopping · cashback.
Annual fee
₹500
Visa · HSBC India
2X reward points per ₹100 — Best for rewards.
Annual fee
₹500
Mastercard · ICICI Bank
2 Payback points per ₹100 on dining — Best for dining · rewards.
Annual fee
₹500
HDFC Bank
Annual Fee
₹500
Reward Rate
10X cashback on partner spends; 2X on PayZapp
Welcome Benefit
—
HSBC India
Annual Fee
₹500
Reward Rate
2X reward points per ₹100
Welcome Benefit
—
ICICI Bank
Annual Fee
₹500
Reward Rate
2 Payback points per ₹100 on dining
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 MoneyBack Plus Credit CardVisa · HDFC Bank | HSBC Smart Value Credit CardVisa · HSBC India | ICICI Coral Credit CardMastercard · ICICI Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | HDFC Bank | HSBC India | ICICI Bank |
Card | |||
Annual fee | ₹500 | ₹500 | ₹500 |
Joining fee | ₹500 | ₹500 | ₹500 |
Reward rate | 10X cashback on partner spends; 2X on PayZapp | 2X reward points per ₹100 | 2 Payback points per ₹100 on dining |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | Visa | Visa | Mastercard |
Best for | online-shopping, cashback | rewards | dining, rewards |
Apply |
HDFC Bank
10X cashback on partner spends; 2X on PayZapp — Best for online-shopping · cashback.
HSBC India
2X reward points per ₹100 — Best for rewards.
ICICI Bank
2 Payback points per ₹100 on dining — Best for dining · rewards.
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