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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · HDFC Bank
5X on Myntra; 2X on others — Best for online-shopping · myntra · fashion.
Annual fee
₹500
Visa · Niyo (DCB Bank)
Lifetime free. 2X rewards on forex spends — Best for travel · lifetime-free.
Annual fee
Lifetime free
Visa · SBI Card
5X rewards on medical — Best for healthcare.
Annual fee
₹1,500
HDFC Bank
Annual Fee
₹500
Reward Rate
5X on Myntra; 2X on others
Welcome Benefit
—
Niyo (DCB Bank)
Annual Fee
Lifetime Free
Reward Rate
2X rewards on forex spends
Welcome Benefit
—
SBI Card
Annual Fee
₹1,500
Reward Rate
5X rewards on medical
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 | Myntra HDFC Bank Credit CardVisa · HDFC Bank | Niyo Global Credit CardVisa · Niyo (DCB Bank) | SBI Doctor's Credit CardVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | HDFC Bank | Niyo (DCB Bank) | SBI Card |
Card | |||
Annual fee | ₹500 | Lifetime FreeBest | ₹1,500 |
Joining fee | ₹500 | ₹0Best | ₹1,500 |
Reward rate | 5X on Myntra; 2X on othersBest | 2X rewards on forex spends | 5X rewards on medical |
Welcome benefit | — | — | — |
Lifetime free | No | YesBest | No |
Network | Visa | Visa | Visa |
Best for | online-shopping, myntra, fashion | travel, lifetime-free | healthcare |
Apply |
HDFC Bank
5X on Myntra; 2X on others — Best for online-shopping · myntra · fashion.
Niyo (DCB Bank)
Lifetime free. 2X rewards on forex spends — Best for travel · lifetime-free.
SBI Card
5X rewards on medical — Best for healthcare.
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