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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
Mastercard · ICICI Bank
4 reward points per ₹100 — Best for premium · travel · rewards.
Annual fee
₹12,000
Visa · Yes Bank
15 reward points per ₹200 — Best for premium · rewards.
Annual fee
₹10,000
HDFC Bank
Annual Fee
₹500
Reward Rate
2X reward points on UPI spends
Welcome Benefit
—
ICICI Bank
Annual Fee
₹12,000
Reward Rate
4 reward points per ₹100
Welcome Benefit
—
Yes Bank
Annual Fee
₹10,000
Reward Rate
15 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 | ICICI Emeralde Credit CardMastercard · ICICI Bank | Yes Bank YES First Exclusive Credit CardVisa · Yes Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | HDFC Bank | ICICI Bank | Yes Bank |
Card | |||
Annual fee | ₹500Best | ₹12,000 | ₹10,000 |
Joining fee | ₹500Best | ₹12,000 | ₹10,000 |
Reward rate | 2X reward points on UPI spends | 4 reward points per ₹100 | 15 reward points per ₹200Best |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | RuPay | Mastercard | Visa |
Best for | rewards, upi | premium, travel, rewards | premium, rewards |
Apply |
HDFC Bank
2X reward points on UPI spends — Best for rewards · upi.
ICICI Bank
4 reward points per ₹100 — Best for premium · travel · rewards.
Yes Bank
15 reward points per ₹200 — Best for premium · rewards.
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