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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
Lifetime free. 2X rewards per ₹100 — Best for lifetime-free · rewards.
Annual fee
Lifetime free
Visa · ICICI Bank
Lifetime free. MMT Black membership; rewards on MMT — Best for travel · hotels.
Annual fee
Lifetime free
HDFC Bank
Annual Fee
₹2,500
Reward Rate
4 reward points per ₹150
Welcome Benefit
—
HSBC India
Annual Fee
Lifetime Free
Reward Rate
2X rewards per ₹100
Welcome Benefit
—
ICICI Bank
Annual Fee
Lifetime Free
Reward Rate
MMT Black membership; rewards on MMT
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 Visa Platinum Credit CardVisa · HSBC India | ICICI MakeMyTrip Credit CardVisa · ICICI Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | HDFC Bank | HSBC India | ICICI Bank |
Card | |||
Annual fee | ₹2,500 | Lifetime Free | Lifetime Free |
Joining fee | ₹2,500 | ₹0 | ₹0 |
Reward rate | 4 reward points per ₹150Best | 2X rewards per ₹100 | MMT Black membership; rewards on MMT |
Welcome benefit | — | — | — |
Lifetime free | No | Yes | Yes |
Network | Mastercard | Visa | Visa |
Best for | travel, lounge-access, premium | lifetime-free, rewards | travel, hotels |
Apply |
HDFC Bank
4 reward points per ₹150 — Best for travel · lounge-access · premium.
HSBC India
Lifetime free. 2X rewards per ₹100 — Best for lifetime-free · rewards.
ICICI Bank
Lifetime free. MMT Black membership; rewards on MMT — Best for travel · hotels.
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