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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 · IDFC FIRST Bank
Lifetime free. 3X reward points on all spends — Best for lifetime-free · rewards · beginners.
Annual fee
Lifetime free
Visa · SBI Card
7.5% cashback on Myntra, 5% cashback on Flipkart
Annual fee
₹500
HDFC Bank
Annual Fee
₹2,500
Reward Rate
4 reward points per ₹150
Welcome Benefit
—
IDFC FIRST Bank
Annual Fee
Lifetime Free
Reward Rate
3X reward points on all spends
Welcome Benefit
—
SBI Card
Annual Fee
₹500
Reward Rate
7.5% cashback on Myntra; 5% cashback on Flipkart; 1% cashback on all other spends
Welcome Benefit
Welcome cashback worth ₹500 on first transaction
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 | IDFC FIRST Classic Credit CardVisa · IDFC FIRST Bank | Flipkart SBI CardVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | HDFC Bank | IDFC FIRST Bank | SBI Card |
Card | |||
Annual fee | ₹2,500 | Lifetime FreeBest | ₹500 |
Joining fee | ₹2,500 | ₹0Best | ₹500 |
Reward rate | 4 reward points per ₹150Best | 3X reward points on all spends | 7.5% cashback on Myntra; 5% cashback on Flipkart; 1% cashback on all other spends |
Welcome benefit | — | — | Welcome cashback worth ₹500 on first transaction |
Lifetime free | No | YesBest | No |
Network | Mastercard | Visa | Visa |
Best for | travel, lounge-access, premium | lifetime-free, rewards, beginners | flipkart, online-shopping, cashback |
Apply |
HDFC Bank
4 reward points per ₹150 — Best for travel · lounge-access · premium.
IDFC FIRST Bank
Lifetime free. 3X reward points on all spends — Best for lifetime-free · rewards · beginners.
SBI Card
7.5% cashback on Myntra, 5% cashback on Flipkart
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