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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
RuPay · HDFC Bank
2X reward points on UPI spends — Best for rewards · upi.
Annual fee
₹500
Visa · HSBC India
2X reward points per ₹100 — Best for rewards.
Annual fee
₹500
Visa · Yes Bank
12 reward points per ₹200 — Best for premium · rewards.
Annual fee
₹5,000
HDFC Bank
Annual Fee
₹500
Reward Rate
2X reward points on UPI spends
Welcome Benefit
—
HSBC India
Annual Fee
₹500
Reward Rate
2X reward points per ₹100
Welcome Benefit
—
Yes Bank
Annual Fee
₹5,000
Reward Rate
12 reward points per ₹200
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 RuPay Credit CardRuPay · HDFC Bank | HSBC Smart Value Credit CardVisa · HSBC India | Yes Bank YES First Preferred Credit CardVisa · Yes Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | HDFC Bank | HSBC India | Yes Bank |
Card | |||
Annual fee | ₹500 | ₹500 | ₹5,000 |
Joining fee | ₹500 | ₹500 | ₹5,000 |
Reward rate | 2X reward points on UPI spends | 2X reward points per ₹100 | 12 reward points per ₹200Best |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | RuPay | Visa | Visa |
Best for | rewards, upi | rewards | premium, rewards |
Apply |
HDFC Bank
2X reward points on UPI spends — Best for rewards · upi.
HSBC India
2X reward points per ₹100 — Best for rewards.
Yes Bank
12 reward points per ₹200 — Best for premium · rewards.
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