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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 · Standard Chartered
5% cashback on subscriptions & utilities — Best for bill-payments.
Annual fee
₹1,500
Visa · Yes Bank
15 reward points per ₹200 — Best for premium · rewards.
Annual fee
₹10,000
HDFC Bank
Annual Fee
₹500
Reward Rate
2 cashback points per ₹150 (1 point = ₹0.25)
Welcome Benefit
—
Standard Chartered
Annual Fee
₹1,500
Reward Rate
5% cashback on subscriptions & utilities
Welcome Benefit
—
Yes Bank
Annual Fee
₹10,000
Reward Rate
15 reward points per ₹200
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 | Standard Chartered DigiSmart Credit CardVisa · Standard Chartered | Yes Bank YES First Exclusive Credit CardVisa · Yes Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | HDFC Bank | Standard Chartered | Yes Bank |
Card | |||
Annual fee | ₹500Best | ₹1,500 | ₹10,000 |
Joining fee | ₹500Best | ₹1,500 | ₹10,000 |
Reward rate | 2 cashback points per ₹150 (1 point = ₹0.25)Best | 5% cashback on subscriptions & utilities | 15 reward points per ₹200 |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | Visa | Visa | Visa |
Best for | cashback, fuel | bill-payments | premium, rewards |
Apply |
HDFC Bank
2 cashback points per ₹150 (1 point = ₹0.25) — Best for cashback · fuel.
Standard Chartered
5% cashback on subscriptions & utilities — Best for bill-payments.
Yes Bank
15 reward points per ₹200 — Best for premium · rewards.
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