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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Mastercard · HDFC Bank
4 reward points per ₹150 — Best for travel · lounge-access · premium.
Annual fee
₹2,500
Visa · HDFC Bank
5 reward points per ₹150 — Best for online-shopping · lifestyle.
Annual fee
₹500
Visa · SBI Card
1 reward point per ₹100 — Best for rewards · beginners.
Annual fee
₹499
HDFC Bank
Annual Fee
₹2,500
Reward Rate
4 reward points per ₹150
Welcome Benefit
—
HDFC Bank
Annual Fee
₹500
Reward Rate
5 reward points per ₹150
Welcome Benefit
—
SBI Card
Annual Fee
₹499
Reward Rate
1 reward point per ₹100
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 Regalia Gold Credit CardMastercard · HDFC Bank | HDFC Bank Shopper's Stop Credit CardVisa · HDFC Bank | SBI Unnati Credit CardVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | HDFC Bank | HDFC Bank | SBI Card |
Card | |||
Annual fee | ₹2,500 | ₹500 | ₹499Best |
Joining fee | ₹2,500 | ₹500 | ₹499Best |
Reward rate | 4 reward points per ₹150 | 5 reward points per ₹150Best | 1 reward point per ₹100 |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | Mastercard | Visa | Visa |
Best for | travel, lounge-access, premium | online-shopping, lifestyle | rewards, beginners |
Apply |
HDFC Bank
4 reward points per ₹150 — Best for travel · lounge-access · premium.
HDFC Bank
5 reward points per ₹150 — Best for online-shopping · lifestyle.
SBI Card
1 reward point per ₹100 — Best for rewards · beginners.
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