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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
Visa · ICICI Bank
Lifetime free. 1 payback point per ₹100 — Best for lifetime-free · beginners.
Annual fee
Lifetime free
Visa · Standard Chartered
Lifetime free. 2X rewards on dining — Best for dining · lifetime-free.
Annual fee
Lifetime free
HDFC Bank
Annual Fee
₹500
Reward Rate
5X rewards on PayZapp
Welcome Benefit
—
ICICI Bank
Annual Fee
Lifetime Free
Reward Rate
1 payback point per ₹100
Welcome Benefit
—
Standard Chartered
Annual Fee
Lifetime Free
Reward Rate
2X rewards on dining
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 Platinum Credit CardVisa · ICICI Bank | Standard Chartered Smart Credit CardVisa · Standard Chartered |
|---|---|---|---|
Card image |  |  |  |
Provider | HDFC Bank | ICICI Bank | Standard Chartered |
Card | |||
Annual fee | ₹500 | Lifetime Free | Lifetime Free |
Joining fee | ₹500 | ₹0 | ₹0 |
Reward rate | 5X rewards on PayZapp | 1 payback point per ₹100Best | 2X rewards on dining |
Welcome benefit | — | — | — |
Lifetime free | No | Yes | Yes |
Network | Visa | Visa | Visa |
Best for | online-shopping, cashback | lifetime-free, beginners | dining, lifetime-free |
Apply |
HDFC Bank
5X rewards on PayZapp — Best for online-shopping · cashback.
ICICI Bank
Lifetime free. 1 payback point per ₹100 — Best for lifetime-free · beginners.
Standard Chartered
Lifetime free. 2X rewards on dining — Best for dining · lifetime-free.
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