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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 · Niyo (DCB Bank)
Lifetime free. 2X rewards on forex spends — Best for travel · lifetime-free.
Annual fee
Lifetime free
Mastercard · Yes Bank
3X rewards on entertainment & dining — Best for entertainment · dining.
Annual fee
₹500
HDFC Bank
Annual Fee
₹500
Reward Rate
2X reward points on UPI spends
Welcome Benefit
—
Niyo (DCB Bank)
Annual Fee
Lifetime Free
Reward Rate
2X rewards on forex spends
Welcome Benefit
—
Yes Bank
Annual Fee
₹500
Reward Rate
3X rewards on entertainment & dining
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 | Niyo Global Credit CardVisa · Niyo (DCB Bank) | Yes Bank Marvel Plus Credit CardMastercard · Yes Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | HDFC Bank | Niyo (DCB Bank) | Yes Bank |
Card | |||
Annual fee | ₹500 | Lifetime FreeBest | ₹500 |
Joining fee | ₹500 | ₹0Best | ₹500 |
Reward rate | 2X reward points on UPI spends | 2X rewards on forex spends | 3X rewards on entertainment & diningBest |
Welcome benefit | — | — | — |
Lifetime free | No | YesBest | No |
Network | RuPay | Visa | Mastercard |
Best for | rewards, upi | travel, lifetime-free | entertainment, dining |
Apply |
HDFC Bank
2X reward points on UPI spends — Best for rewards · upi.
Niyo (DCB Bank)
Lifetime free. 2X rewards on forex spends — Best for travel · lifetime-free.
Yes Bank
3X rewards on entertainment & dining — Best for entertainment · dining.
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