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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 · SBI Card
7.5% cashback on Myntra, 5% cashback on Flipkart
Annual fee
₹500
Visa · Uni (SBM Bank)
Lifetime free. 1.5X rewards on all spends — Best for rewards · lifetime-free.
Annual fee
Lifetime free
HDFC Bank
Annual Fee
₹500
Reward Rate
10X cashback on partner spends; 2X on PayZapp
Welcome Benefit
—
SBI Card
Annual Fee
₹500
Reward Rate
7.5% cashback on Myntra; 5% cashback on Flipkart; 1% cashback on all other spends
Welcome Benefit
Welcome cashback worth ₹500 on first transaction
Uni (SBM Bank)
Annual Fee
Lifetime Free
Reward Rate
1.5X rewards 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 MoneyBack Plus Credit CardVisa · HDFC Bank | Flipkart SBI CardVisa · SBI Card | Uni Credit CardVisa · Uni (SBM Bank) |
|---|---|---|---|
Card image |  |  |  |
Provider | HDFC Bank | SBI Card | Uni (SBM Bank) |
Card | |||
Annual fee | ₹500 | ₹500 | Lifetime FreeBest |
Joining fee | ₹500 | ₹500 | ₹0Best |
Reward rate | 10X cashback on partner spends; 2X on PayZappBest | 7.5% cashback on Myntra; 5% cashback on Flipkart; 1% cashback on all other spends | 1.5X rewards on all spends |
Welcome benefit | — | Welcome cashback worth ₹500 on first transaction | — |
Lifetime free | No | No | YesBest |
Network | Visa | Visa | Visa |
Best for | online-shopping, cashback | flipkart, online-shopping, cashback | rewards, lifetime-free |
Apply |
HDFC Bank
10X cashback on partner spends; 2X on PayZapp — Best for online-shopping · cashback.
SBI Card
7.5% cashback on Myntra, 5% cashback on Flipkart
Uni (SBM Bank)
Lifetime free. 1.5X rewards on all spends — Best for rewards · lifetime-free.
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