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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 · Standard Chartered
Lifetime free. 5% cashback on fuel & utility — Best for fuel · bill-payments · lifetime-free.
Annual fee
Lifetime free
Visa · Uni (SBM Bank)
Lifetime free. 2X rewards on UPI — Best for upi · cashback · lifetime-free.
Annual fee
Lifetime free
HDFC Bank
Annual Fee
₹500
Reward Rate
2X reward points on UPI spends
Welcome Benefit
—
Standard Chartered
Annual Fee
Lifetime Free
Reward Rate
5% cashback on fuel & utility
Welcome Benefit
—
Uni (SBM Bank)
Annual Fee
Lifetime Free
Reward Rate
2X rewards on UPI
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 | Standard Chartered Platinum Credit CardVisa · Standard Chartered | Uni Pay Credit CardVisa · Uni (SBM Bank) |
|---|---|---|---|
Card image |  |  |  |
Provider | HDFC Bank | Standard Chartered | Uni (SBM Bank) |
Card | |||
Annual fee | ₹500 | Lifetime Free | Lifetime Free |
Joining fee | ₹500 | ₹0 | ₹0 |
Reward rate | 2X reward points on UPI spends | 5% cashback on fuel & utilityBest | 2X rewards on UPI |
Welcome benefit | — | — | — |
Lifetime free | No | Yes | Yes |
Network | RuPay | Visa | Visa |
Best for | rewards, upi | fuel, bill-payments, lifetime-free | upi, cashback, lifetime-free |
Apply |
HDFC Bank
2X reward points on UPI spends — Best for rewards · upi.
Standard Chartered
Lifetime free. 5% cashback on fuel & utility — Best for fuel · bill-payments · lifetime-free.
Uni (SBM Bank)
Lifetime free. 2X rewards on UPI — Best for upi · cashback · lifetime-free.
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