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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 · Standard Chartered
Lifetime free. 2X rewards on dining — Best for dining · lifetime-free.
Annual fee
Lifetime free
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
—
Standard Chartered
Annual Fee
Lifetime Free
Reward Rate
2X rewards on dining
Welcome Benefit
—
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 | Standard Chartered Smart Credit CardVisa · Standard Chartered | Uni Credit CardVisa · Uni (SBM Bank) |
|---|---|---|---|
Card image |  |  |  |
Provider | HDFC Bank | Standard Chartered | Uni (SBM Bank) |
Card | |||
Annual fee | ₹500 | Lifetime Free | Lifetime Free |
Joining fee | ₹500 | ₹0 | ₹0 |
Reward rate | 10X cashback on partner spends; 2X on PayZappBest | 2X rewards on dining | 1.5X rewards on all spends |
Welcome benefit | — | — | — |
Lifetime free | No | Yes | Yes |
Network | Visa | Visa | Visa |
Best for | online-shopping, cashback | dining, lifetime-free | rewards, lifetime-free |
Apply |
HDFC Bank
10X cashback on partner spends; 2X on PayZapp — Best for online-shopping · cashback.
Standard Chartered
Lifetime free. 2X rewards on dining — Best for dining · lifetime-free.
Uni (SBM Bank)
Lifetime free. 1.5X rewards on all spends — Best for rewards · lifetime-free.
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