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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
Mastercard · RBL Bank
5X on dining & fuel — Best for dining · fuel.
Annual fee
₹1,000
Visa · Uni (SBM Bank)
Lifetime free. 2X rewards on UPI — Best for upi · cashback · lifetime-free.
Annual fee
Lifetime free
HDFC Bank
Annual Fee
₹500
Reward Rate
10X cashback on partner spends; 2X on PayZapp
Welcome Benefit
—
RBL Bank
Annual Fee
₹1,000
Reward Rate
5X on dining & fuel
Welcome Benefit
—
Uni (SBM Bank)
Annual Fee
Lifetime Free
Reward Rate
2X rewards on UPI
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 | RBL Bank Edge Credit CardMastercard · RBL Bank | Uni Pay Credit CardVisa · Uni (SBM Bank) |
|---|---|---|---|
Card image |  |  |  |
Provider | HDFC Bank | RBL Bank | Uni (SBM Bank) |
Card | |||
Annual fee | ₹500 | ₹1,000 | Lifetime FreeBest |
Joining fee | ₹500 | ₹1,000 | ₹0Best |
Reward rate | 10X cashback on partner spends; 2X on PayZappBest | 5X on dining & fuel | 2X rewards on UPI |
Welcome benefit | — | — | — |
Lifetime free | No | No | YesBest |
Network | Visa | Mastercard | Visa |
Best for | online-shopping, cashback | dining, fuel | upi, cashback, lifetime-free |
Apply |
HDFC Bank
10X cashback on partner spends; 2X on PayZapp — Best for online-shopping · cashback.
RBL Bank
5X on dining & fuel — Best for dining · fuel.
Uni (SBM Bank)
Lifetime free. 2X rewards on UPI — Best for upi · cashback · lifetime-free.
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