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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
RuPay · HDFC Bank
2X reward points on UPI spends — Best for rewards · upi.
Annual fee
₹500
Visa · ICICI Bank
Lifetime free. 1 payback point per ₹100 — Best for lifetime-free · beginners.
Annual fee
Lifetime free
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
2X reward points on UPI spends
Welcome Benefit
—
ICICI Bank
Annual Fee
Lifetime Free
Reward Rate
1 payback point per ₹100
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 RuPay Credit CardRuPay · HDFC Bank | ICICI Platinum Credit CardVisa · ICICI Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | HDFC Bank | HDFC Bank | ICICI Bank |
Card | |||
Annual fee | ₹500 | ₹500 | Lifetime FreeBest |
Joining fee | ₹500 | ₹500 | ₹0Best |
Reward rate | 2 cashback points per ₹150 (1 point = ₹0.25)Best | 2X reward points on UPI spends | 1 payback point per ₹100 |
Welcome benefit | — | — | — |
Lifetime free | No | No | YesBest |
Network | Visa | RuPay | Visa |
Best for | cashback, fuel | rewards, upi | lifetime-free, beginners |
Apply |
HDFC Bank
2 cashback points per ₹150 (1 point = ₹0.25) — Best for cashback · fuel.
HDFC Bank
2X reward points on UPI spends — Best for rewards · upi.
ICICI Bank
Lifetime free. 1 payback point per ₹100 — Best for lifetime-free · beginners.
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