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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 · HSBC India
2X reward points per ₹100 — Best for rewards.
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
—
HSBC India
Annual Fee
₹500
Reward Rate
2X reward points per ₹100
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 | HSBC Smart Value Credit CardVisa · HSBC India |
|---|---|---|---|
Card image |  |  |  |
Provider | American Express | American Express | HSBC India |
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 | 2X reward points per ₹100 |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | American Express | American Express | Visa |
Best for | rewards, lifetime-free | travel, premium, lounge-access | rewards |
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.
HSBC India
2X reward points per ₹100 — Best for rewards.
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