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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 · IDFC FIRST Bank
Lifetime free. 3X rewards + wealth benefits — Best for lifetime-free · rewards · premium.
Annual fee
Lifetime free
Mastercard · IndusInd Bank
2X rewards on all spends — Best for rewards.
Annual fee
₹1,500
HDFC Bank
Annual Fee
₹500
Reward Rate
2X reward points on UPI spends
Welcome Benefit
—
IDFC FIRST Bank
Annual Fee
Lifetime Free
Reward Rate
3X rewards + wealth benefits
Welcome Benefit
—
IndusInd Bank
Annual Fee
₹1,500
Reward Rate
2X rewards 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 | IDFC FIRST Wealth Credit CardVisa · IDFC FIRST Bank | IndusInd Bank Duo Credit CardMastercard · IndusInd Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | HDFC Bank | IDFC FIRST Bank | IndusInd Bank |
Card | |||
Annual fee | ₹500 | Lifetime FreeBest | ₹1,500 |
Joining fee | ₹500 | ₹0Best | ₹1,500 |
Reward rate | 2X reward points on UPI spends | 3X rewards + wealth benefitsBest | 2X rewards on all spends |
Welcome benefit | — | — | — |
Lifetime free | No | YesBest | No |
Network | RuPay | Visa | Mastercard |
Best for | rewards, upi | lifetime-free, rewards, premium | rewards |
Apply |
HDFC Bank
2X reward points on UPI spends — Best for rewards · upi.
IDFC FIRST Bank
Lifetime free. 3X rewards + wealth benefits — Best for lifetime-free · rewards · premium.
IndusInd Bank
2X rewards on all spends — Best for rewards.
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