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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 · HSBC India
5X on travel — Best for travel.
Annual fee
₹3,000
Mastercard · ICICI Bank
4 reward points per ₹100 — Best for premium · travel · rewards.
Annual fee
₹12,000
HDFC Bank
Annual Fee
₹2,500
Reward Rate
4 reward points per ₹150
Welcome Benefit
—
HSBC India
Annual Fee
₹3,000
Reward Rate
5X on travel
Welcome Benefit
—
ICICI Bank
Annual Fee
₹12,000
Reward Rate
4 reward points 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 | HSBC TravelOne Credit CardVisa · HSBC India | ICICI Emeralde Credit CardMastercard · ICICI Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | HDFC Bank | HSBC India | ICICI Bank |
Card | |||
Annual fee | ₹2,500Best | ₹3,000 | ₹12,000 |
Joining fee | ₹2,500Best | ₹3,000 | ₹12,000 |
Reward rate | 4 reward points per ₹150Best | 5X on travel | 4 reward points per ₹100 |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | Mastercard | Visa | Mastercard |
Best for | travel, lounge-access, premium | travel | premium, travel, rewards |
Apply |
HDFC Bank
4 reward points per ₹150 — Best for travel · lounge-access · premium.
HSBC India
5X on travel — Best for travel.
ICICI Bank
4 reward points per ₹100 — Best for premium · travel · rewards.
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