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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
American Express · ICICI Bank
Lifetime free. 5% back for Prime on Amazon; 3% for non-Prime — Best for online-shopping · amazon · lifetime-free.
Annual fee
Lifetime free
Mastercard · IDFC FIRST Bank
10X reward points on all spends — Best for rewards · premium.
Annual fee
₹5,000
HDFC Bank
Annual Fee
₹500
Reward Rate
2X reward points on UPI spends
Welcome Benefit
—
ICICI Bank
Annual Fee
Lifetime Free
Reward Rate
5% back for Prime on Amazon; 3% for non-Prime
Welcome Benefit
—
IDFC FIRST Bank
Annual Fee
₹5,000
Reward Rate
10X 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 RuPay Credit CardRuPay · HDFC Bank | ICICI Amazon Pay Credit CardAmerican Express · ICICI Bank | IDFC FIRST Ashva Credit CardMastercard · IDFC FIRST Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | HDFC Bank | ICICI Bank | IDFC FIRST Bank |
Card | |||
Annual fee | ₹500 | Lifetime FreeBest | ₹5,000 |
Joining fee | ₹500 | ₹0Best | ₹5,000 |
Reward rate | 2X reward points on UPI spends | 5% back for Prime on Amazon; 3% for non-PrimeBest | 10X reward points on all spends |
Welcome benefit | — | — | — |
Lifetime free | No | YesBest | No |
Network | RuPay | American Express | Mastercard |
Best for | rewards, upi | online-shopping, amazon, lifetime-free | rewards, premium |
Apply |
HDFC Bank
2X reward points on UPI spends — Best for rewards · upi.
ICICI Bank
Lifetime free. 5% back for Prime on Amazon; 3% for non-Prime — Best for online-shopping · amazon · lifetime-free.
IDFC FIRST Bank
10X reward points on all spends — Best for rewards · premium.
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