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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
Mastercard · ICICI Bank
2 Payback points per ₹100 on dining — Best for dining · rewards.
Annual fee
₹500
Mastercard · ICICI Bank
Lifetime free. 2X rewards on dining & lifestyle — Best for dining · lifestyle.
Annual fee
Lifetime free
HDFC Bank
Annual Fee
₹2,500
Reward Rate
4 reward points per ₹150
Welcome Benefit
—
ICICI Bank
Annual Fee
₹500
Reward Rate
2 Payback points per ₹100 on dining
Welcome Benefit
—
ICICI Bank
Annual Fee
Lifetime Free
Reward Rate
2X rewards on dining & lifestyle
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 | ICICI Coral Credit CardMastercard · ICICI Bank | ICICI Bank Femina Credit CardMastercard · ICICI Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | HDFC Bank | ICICI Bank | ICICI Bank |
Card | |||
Annual fee | ₹2,500 | ₹500 | Lifetime FreeBest |
Joining fee | ₹2,500 | ₹500 | ₹0Best |
Reward rate | 4 reward points per ₹150Best | 2 Payback points per ₹100 on dining | 2X rewards on dining & lifestyle |
Welcome benefit | — | — | — |
Lifetime free | No | No | YesBest |
Network | Mastercard | Mastercard | Mastercard |
Best for | travel, lounge-access, premium | dining, rewards | dining, lifestyle |
Apply |
HDFC Bank
4 reward points per ₹150 — Best for travel · lounge-access · premium.
ICICI Bank
2 Payback points per ₹100 on dining — Best for dining · rewards.
ICICI Bank
Lifetime free. 2X rewards on dining & lifestyle — Best for dining · lifestyle.
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