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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 · Standard Chartered
Lifetime free. 2X rewards on dining — Best for dining · lifetime-free.
Annual fee
Lifetime free
Visa · Yes Bank
Lifetime free. 2X reward points on all spends — Best for rewards · lifetime-free.
Annual fee
Lifetime free
HDFC Bank
Annual Fee
₹2,500
Reward Rate
4 reward points per ₹150
Welcome Benefit
—
Standard Chartered
Annual Fee
Lifetime Free
Reward Rate
2X rewards on dining
Welcome Benefit
—
Yes Bank
Annual Fee
Lifetime Free
Reward Rate
2X reward points on all spends
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 | Standard Chartered Smart Credit CardVisa · Standard Chartered | Yes Bank YES Prosperity Credit CardVisa · Yes Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | HDFC Bank | Standard Chartered | Yes 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 on dining | 2X reward points on all spends |
Welcome benefit | — | — | — |
Lifetime free | No | Yes | Yes |
Network | Mastercard | Visa | Visa |
Best for | travel, lounge-access, premium | dining, lifetime-free | rewards, lifetime-free |
Apply |
HDFC Bank
4 reward points per ₹150 — Best for travel · lounge-access · premium.
Standard Chartered
Lifetime free. 2X rewards on dining — Best for dining · lifetime-free.
Yes Bank
Lifetime free. 2X reward points on all spends — Best for rewards · lifetime-free.
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