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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · HSBC India
2X reward points per ₹100 — Best for rewards.
Annual fee
₹500
Mastercard · ICICI Bank
Lifetime free. 2X rewards on dining & lifestyle — Best for dining · lifestyle.
Annual fee
Lifetime free
Visa · IDFC FIRST Bank
Lifetime free. 3X on top categories; 1X others — Best for lifetime-free · rewards · lounge-access.
Annual fee
Lifetime free
HSBC India
Annual Fee
₹500
Reward Rate
2X reward points per ₹100
Welcome Benefit
—
ICICI Bank
Annual Fee
Lifetime Free
Reward Rate
2X rewards on dining & lifestyle
Welcome Benefit
—
IDFC FIRST Bank
Annual Fee
Lifetime Free
Reward Rate
3X on top categories; 1X others
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 | HSBC Smart Value Credit CardVisa · HSBC India | ICICI Bank Femina Credit CardMastercard · ICICI Bank | IDFC FIRST Select Credit CardVisa · IDFC FIRST Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | HSBC India | ICICI Bank | IDFC FIRST Bank |
Card | |||
Annual fee | ₹500 | Lifetime Free | Lifetime Free |
Joining fee | ₹500 | ₹0 | ₹0 |
Reward rate | 2X reward points per ₹100Best | 2X rewards on dining & lifestyle | 3X on top categories; 1X others |
Welcome benefit | — | — | — |
Lifetime free | No | Yes | Yes |
Network | Visa | Mastercard | Visa |
Best for | rewards | dining, lifestyle | lifetime-free, rewards, lounge-access |
Apply |
HSBC India
2X reward points per ₹100 — Best for rewards.
ICICI Bank
Lifetime free. 2X rewards on dining & lifestyle — Best for dining · lifestyle.
IDFC FIRST Bank
Lifetime free. 3X on top categories; 1X others — Best for lifetime-free · rewards · lounge-access.
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