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Matching your question with relevant cards and trade-offs.
Grounded in verified card data — exact cards, ranked matches, comparisons, and an honest no-result when we cannot confirm.
Ranked by how well they match the query, not by commission.
SimplifyCards take: Top 7 picks for this query.
Optimized for rupay and upi, featuring complimentary lounge access.
Lifetime free card, Optimized for lifetime free and lounge, featuring low 1.5% forex markup and complimentary lounge access.
Optimized for travel and dining, featuring low 1.75% forex markup and complimentary lounge access.
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Spend level changes whether premium cards are worth the fee.
Lifetime-free travel card featuring a low 1.5% forex markup, complimentary lounge access, and quarterly golf privileges.
Optimized for dining and movies, featuring complimentary lounge access.
| Feature | HSBC RuPay Cashback Credit Card | IDFC FIRST Wealth Credit Card | YES First Preferred Credit Card |
|---|---|---|---|
| Best for | rupay, upi, cashback | lifetime free, lounge, golf | travel, dining, lounge |
| Reward rates | 1% - Base reward rate upto 10% - accelerated reward rate | 0.1% - Base reward rate upto 1.3% - accelerated reward rate | 0.5% - Base reward rate upto 2% - accelerated reward rate |
| Annual fee | Rs 499 | Rs 0 | Rs 999 |
| Fee waiver spend | Rs 2 lakhs | - | Rs 2.5 lakhs |
| Domestic lounge | 8 | 8 | 8 |
| International lounge | 2 | 8 | 4 |
| Forex markup | 3.5% | 1.5% | 1.75% |