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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
5X on travel — Best for travel.
Annual fee
₹3,000
Visa · IDFC FIRST Bank
Lifetime free. 3X rewards + wealth benefits — Best for lifetime-free · rewards · premium.
Annual fee
Lifetime free
HDFC Bank
Annual Fee
₹500
Reward Rate
2X reward points on UPI spends
Welcome Benefit
—
HSBC India
Annual Fee
₹3,000
Reward Rate
5X on travel
Welcome Benefit
—
IDFC FIRST Bank
Annual Fee
Lifetime Free
Reward Rate
3X rewards + wealth benefits
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 TravelOne Credit CardVisa · HSBC India | IDFC FIRST Wealth Credit CardVisa · IDFC FIRST Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | HDFC Bank | HSBC India | IDFC FIRST Bank |
Card | |||
Annual fee | ₹500 | ₹3,000 | Lifetime FreeBest |
Joining fee | ₹500 | ₹3,000 | ₹0Best |
Reward rate | 2X reward points on UPI spends | 5X on travelBest | 3X rewards + wealth benefits |
Welcome benefit | — | — | — |
Lifetime free | No | No | YesBest |
Network | RuPay | Visa | Visa |
Best for | rewards, upi | travel | lifetime-free, rewards, premium |
Apply |
HDFC Bank
2X reward points on UPI spends — Best for rewards · upi.
HSBC India
5X on travel — Best for travel.
IDFC FIRST Bank
Lifetime free. 3X rewards + wealth benefits — Best for lifetime-free · rewards · premium.
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