We use analytics cookies to understand how visitors interact with our site. By continuing you agree to our use of cookies as described in our Privacy Policy.
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
Mastercard · ICICI Bank
2 reward points per ₹100 — Best for rewards · lifestyle.
Annual fee
₹3,000
Mastercard · SBI Card
5% cashback on top online brands; 1% on others — Best for cashback · online-shopping.
Annual fee
₹999
HDFC Bank
Annual Fee
₹500
Reward Rate
5X rewards on PayZapp
Welcome Benefit
—
ICICI Bank
Annual Fee
₹3,000
Reward Rate
2 reward points per ₹100
Welcome Benefit
—
SBI Card
Annual Fee
₹999
Reward Rate
5% cashback on top online brands; 1% on others
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 Gemstone Credit CardMastercard · ICICI Bank | SBI Cashback Credit CardMastercard · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | HDFC Bank | ICICI Bank | SBI Card |
Card | |||
Annual fee | ₹500Best | ₹3,000 | ₹999 |
Joining fee | ₹500Best | ₹3,000 | ₹999 |
Reward rate | 5X rewards on PayZapp | 2 reward points per ₹100Best | 5% cashback on top online brands; 1% on others |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | Visa | Mastercard | Mastercard |
Best for | online-shopping, cashback | rewards, lifestyle | cashback, online-shopping |
Apply |
HDFC Bank
5X rewards on PayZapp — Best for online-shopping · cashback.
ICICI Bank
2 reward points per ₹100 — Best for rewards · lifestyle.
SBI Card
5% cashback on top online brands; 1% on others — Best for cashback · online-shopping.
Related Guides
In-depth guides on rewards, lounge access, forex and more.
Related Comparisons
Compare any two cards side-by-side across 140+ issuers.
