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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · HDFC Bank
2 cashback points per ₹150 (1 point = ₹0.25) — Best for cashback · fuel.
Annual fee
₹500
Visa · HDFC Bank
5X rewards on PayZapp — Best for online-shopping · cashback.
Annual fee
₹500
Mastercard · SBI Card
5% cashback on top online brands; 1% on others — Best for cashback · online-shopping.
Annual fee
₹999
HDFC Bank
Annual Fee
₹500
Reward Rate
2 cashback points per ₹150 (1 point = ₹0.25)
Welcome Benefit
—
HDFC Bank
Annual Fee
₹500
Reward Rate
5X rewards on PayZapp
Welcome Benefit
—
SBI Card
Annual Fee
₹999
Reward Rate
5% cashback on top online brands; 1% on others
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 Credit CardVisa · HDFC Bank | HDFC Bank PayZapp Credit CardVisa · HDFC Bank | SBI Cashback Credit CardMastercard · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | HDFC Bank | HDFC Bank | SBI Card |
Card | |||
Annual fee | ₹500 | ₹500 | ₹999 |
Joining fee | ₹500 | ₹500 | ₹999 |
Reward rate | 2 cashback points per ₹150 (1 point = ₹0.25)Best | 5X rewards on PayZapp | 5% cashback on top online brands; 1% on others |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | Visa | Visa | Mastercard |
Best for | cashback, fuel | online-shopping, cashback | cashback, online-shopping |
Apply |
HDFC Bank
2 cashback points per ₹150 (1 point = ₹0.25) — Best for cashback · fuel.
HDFC Bank
5X rewards on PayZapp — Best for online-shopping · cashback.
SBI Card
5% cashback on top online brands; 1% on others — Best for cashback · online-shopping.
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