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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · HDFC Bank
5X rewards on PayZapp — Best for online-shopping · cashback.
Annual fee
₹500
American Express · ICICI Bank
3 reward points per ₹100 — Best for premium · luxury.
Annual fee
₹20,000
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
5X rewards on PayZapp
Welcome Benefit
—
ICICI Bank
Annual Fee
₹20,000
Reward Rate
3 reward points per ₹100
Welcome Benefit
—
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 PayZapp Credit CardVisa · HDFC Bank | ICICI Bank Bvlgari Credit CardAmerican Express · ICICI Bank | Uni Pay Credit CardVisa · Uni (SBM Bank) |
|---|---|---|---|
Card image |  |  |  |
Provider | HDFC Bank | ICICI Bank | Uni (SBM Bank) |
Card | |||
Annual fee | ₹500 | ₹20,000 | Lifetime FreeBest |
Joining fee | ₹500 | ₹20,000 | ₹0Best |
Reward rate | 5X rewards on PayZapp | 3 reward points per ₹100Best | 2X rewards on UPI |
Welcome benefit | — | — | — |
Lifetime free | No | No | YesBest |
Network | Visa | American Express | Visa |
Best for | online-shopping, cashback | premium, luxury | upi, cashback, lifetime-free |
Apply |
HDFC Bank
5X rewards on PayZapp — Best for online-shopping · cashback.
ICICI Bank
3 reward points per ₹100 — Best for premium · luxury.
Uni (SBM Bank)
Lifetime free. 2X rewards on UPI — Best for upi · cashback · lifetime-free.
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