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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 · SBI Card
10X rewards on partner online brands; 1X on others — Best for online-shopping · rewards.
Annual fee
₹499
Visa · Yes Bank
Lifetime free. 2X reward points on all spends — Best for rewards · lifetime-free.
Annual fee
Lifetime free
HDFC Bank
Annual Fee
₹500
Reward Rate
2X reward points on UPI spends
Welcome Benefit
—
SBI Card
Annual Fee
₹499
Reward Rate
10X rewards on partner online brands; 1X on others
Welcome Benefit
—
Yes Bank
Annual Fee
Lifetime Free
Reward Rate
2X 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 | SBI SimplyCLICK Credit CardVisa · SBI Card | Yes Bank YES Prosperity Credit CardVisa · Yes Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | HDFC Bank | SBI Card | Yes Bank |
Card | |||
Annual fee | ₹500 | ₹499 | Lifetime FreeBest |
Joining fee | ₹500 | ₹499 | ₹0Best |
Reward rate | 2X reward points on UPI spends | 10X rewards on partner online brands; 1X on othersBest | 2X reward points on all spends |
Welcome benefit | — | — | — |
Lifetime free | No | No | YesBest |
Network | RuPay | Visa | Visa |
Best for | rewards, upi | online-shopping, rewards | rewards, lifetime-free |
Apply |
HDFC Bank
2X reward points on UPI spends — Best for rewards · upi.
SBI Card
10X rewards on partner online brands; 1X on others — Best for online-shopping · rewards.
Yes Bank
Lifetime free. 2X reward points on all spends — Best for rewards · lifetime-free.
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