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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
3X on online; 2X offline — Best for online-shopping · rewards.
Annual fee
₹1,000
Visa · SBI Card
10X rewards on partner online brands; 1X on others — Best for online-shopping · rewards.
Annual fee
₹499
HDFC Bank
Annual Fee
₹2,500
Reward Rate
4 reward points per ₹150
Welcome Benefit
—
IDFC FIRST Bank
Annual Fee
₹1,000
Reward Rate
3X on online; 2X offline
Welcome Benefit
—
SBI Card
Annual Fee
₹499
Reward Rate
10X rewards on partner online brands; 1X on others
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 | IDFC FIRST Millennia Credit CardVisa · IDFC FIRST Bank | SBI SimplyCLICK Credit CardVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | HDFC Bank | IDFC FIRST Bank | SBI Card |
Card | |||
Annual fee | ₹2,500 | ₹1,000 | ₹499Best |
Joining fee | ₹2,500 | ₹1,000 | ₹499Best |
Reward rate | 4 reward points per ₹150Best | 3X on online; 2X offline | 10X rewards on partner online brands; 1X on others |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | Mastercard | Visa | Visa |
Best for | travel, lounge-access, premium | online-shopping, rewards | online-shopping, rewards |
Apply |
HDFC Bank
4 reward points per ₹150 — Best for travel · lounge-access · premium.
IDFC FIRST Bank
3X on online; 2X offline — Best for online-shopping · rewards.
SBI Card
10X rewards on partner online brands; 1X on others — Best for online-shopping · rewards.
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