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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 · ICICI Bank
Lifetime free. 1 payback point per ₹100 — Best for lifetime-free · beginners.
Annual fee
Lifetime free
Visa · SBI Card
5 reward points per ₹100 — Best for premium · travel.
Annual fee
₹10,000
HDFC Bank
Annual Fee
₹2,500
Reward Rate
4 reward points per ₹150
Welcome Benefit
—
ICICI Bank
Annual Fee
Lifetime Free
Reward Rate
1 payback point per ₹100
Welcome Benefit
—
SBI Card
Annual Fee
₹10,000
Reward Rate
5 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 | ICICI Platinum Credit CardVisa · ICICI Bank | SBI Card AurionVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | HDFC Bank | ICICI Bank | SBI Card |
Card | |||
Annual fee | ₹2,500 | Lifetime FreeBest | ₹10,000 |
Joining fee | ₹2,500 | ₹0Best | ₹10,000 |
Reward rate | 4 reward points per ₹150 | 1 payback point per ₹100 | 5 reward points per ₹100Best |
Welcome benefit | — | — | — |
Lifetime free | No | YesBest | No |
Network | Mastercard | Visa | Visa |
Best for | travel, lounge-access, premium | lifetime-free, beginners | premium, travel |
Apply |
HDFC Bank
4 reward points per ₹150 — Best for travel · lounge-access · premium.
ICICI Bank
Lifetime free. 1 payback point per ₹100 — Best for lifetime-free · beginners.
SBI Card
5 reward points per ₹100 — Best for premium · travel.
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