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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 · SBI Card
Welcome gift of 2,500 IndiGo BluChips
Annual fee
Lifetime free
Visa · Uni (SBM Bank)
Lifetime free. 2X rewards on UPI — Best for upi · cashback · lifetime-free.
Annual fee
Lifetime free
HDFC Bank
Annual Fee
₹500
Reward Rate
2 cashback points per ₹150 (1 point = ₹0.25)
Welcome Benefit
—
SBI Card
Annual Fee
Lifetime Free
Reward Rate
2 IndiGo BluChips per ₹100 on IndiGo transactions; 1 BluChip per ₹100 on other spends
Welcome Benefit
Welcome gift of up to 2,500 IndiGo BluChips on joining
Uni (SBM Bank)
Annual Fee
Lifetime Free
Reward Rate
2X rewards on UPI
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 | IndiGo SBI CardVisa · SBI Card | Uni Pay Credit CardVisa · Uni (SBM Bank) |
|---|---|---|---|
Card image |  |  |  |
Provider | HDFC Bank | SBI Card | Uni (SBM Bank) |
Card | |||
Annual fee | ₹500 | Lifetime Free | Lifetime Free |
Joining fee | ₹500 | ₹0 | ₹0 |
Reward rate | 2 cashback points per ₹150 (1 point = ₹0.25) | 2 IndiGo BluChips per ₹100 on IndiGo transactions; 1 BluChip per ₹100 on other spendsBest | 2X rewards on UPI |
Welcome benefit | — | Welcome gift of up to 2,500 IndiGo BluChips on joining | — |
Lifetime free | No | Yes | Yes |
Network | Visa | Visa | Visa |
Best for | cashback, fuel | airlines, travel | upi, cashback, lifetime-free |
Apply |
HDFC Bank
2 cashback points per ₹150 (1 point = ₹0.25) — Best for cashback · fuel.
SBI Card
Welcome gift of 2,500 IndiGo BluChips
Uni (SBM Bank)
Lifetime free. 2X rewards on UPI — Best for upi · cashback · lifetime-free.
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