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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
Mastercard · RBL Bank
5X reward points on all spends — Best for premium · rewards.
Annual fee
₹10,000
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
2 cashback points per ₹150 (1 point = ₹0.25)
Welcome Benefit
—
RBL Bank
Annual Fee
₹10,000
Reward Rate
5X reward points on all spends
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 Credit CardVisa · HDFC Bank | RBL Bank Infinite Credit CardMastercard · RBL Bank | Uni Credit CardVisa · Uni (SBM Bank) |
|---|---|---|---|
Card image |  |  |  |
Provider | HDFC Bank | RBL Bank | Uni (SBM Bank) |
Card | |||
Annual fee | ₹500 | ₹10,000 | Lifetime FreeBest |
Joining fee | ₹500 | ₹10,000 | ₹0Best |
Reward rate | 2 cashback points per ₹150 (1 point = ₹0.25)Best | 5X reward points on all spends | 1.5X rewards on all spends |
Welcome benefit | — | — | — |
Lifetime free | No | No | YesBest |
Network | Visa | Mastercard | Visa |
Best for | cashback, fuel | premium, rewards | rewards, lifetime-free |
Apply |
HDFC Bank
2 cashback points per ₹150 (1 point = ₹0.25) — Best for cashback · fuel.
RBL Bank
5X reward points on all spends — Best for premium · rewards.
Uni (SBM Bank)
Lifetime free. 1.5X rewards on all spends — Best for rewards · lifetime-free.
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