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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
American Express · American Express
Lifetime free. 1000 bonus points on ₹20K monthly — Best for rewards · lifetime-free.
Annual fee
Lifetime free
American Express · American Express
5X rewards on travel; 1X on others — Best for travel · premium · lounge-access.
Annual fee
₹5,000
Visa · HDFC Bank
5X rewards on PayZapp — Best for online-shopping · cashback.
Annual fee
₹500
American Express
Annual Fee
Lifetime Free
Reward Rate
1000 bonus points on ₹20K monthly
Welcome Benefit
—
American Express
Annual Fee
₹5,000
Reward Rate
5X rewards on travel; 1X on others
Welcome Benefit
—
HDFC Bank
Annual Fee
₹500
Reward Rate
5X rewards on PayZapp
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 | Amex Gold Credit CardAmerican Express · American Express | Amex Platinum Travel Credit CardAmerican Express · American Express | HDFC Bank PayZapp Credit CardVisa · HDFC Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | American Express | American Express | HDFC Bank |
Card | |||
Annual fee | Lifetime FreeBest | ₹5,000 | ₹500 |
Joining fee | ₹0Best | ₹5,000 | ₹500 |
Reward rate | 1000 bonus points on ₹20K monthlyBest | 5X rewards on travel; 1X on others | 5X rewards on PayZapp |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | American Express | American Express | Visa |
Best for | rewards, lifetime-free | travel, premium, lounge-access | online-shopping, cashback |
Apply |
American Express
Lifetime free. 1000 bonus points on ₹20K monthly — Best for rewards · lifetime-free.
American Express
5X rewards on travel; 1X on others — Best for travel · premium · lounge-access.
HDFC Bank
5X rewards on PayZapp — Best for online-shopping · cashback.
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