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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
RuPay · AU Small Finance Bank
Lifetime free. 2X rewards on UPI — Best for rewards · upi · lifetime-free.
Annual fee
Lifetime free
Visa · Standard Chartered
5% cashback on subscriptions & utilities — Best for bill-payments.
Annual fee
₹1,500
American Express
Annual Fee
Lifetime Free
Reward Rate
1000 bonus points on ₹20K monthly
Welcome Benefit
—
AU Small Finance Bank
Annual Fee
Lifetime Free
Reward Rate
2X rewards on UPI
Welcome Benefit
—
Standard Chartered
Annual Fee
₹1,500
Reward Rate
5% cashback on subscriptions & utilities
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 | AU RuPay Credit CardRuPay · AU Small Finance Bank | Standard Chartered DigiSmart Credit CardVisa · Standard Chartered |
|---|---|---|---|
Card image |  |  |  |
Provider | American Express | AU Small Finance Bank | Standard Chartered |
Card | |||
Annual fee | Lifetime Free | Lifetime Free | ₹1,500 |
Joining fee | ₹0 | ₹0 | ₹1,500 |
Reward rate | 1000 bonus points on ₹20K monthlyBest | 2X rewards on UPI | 5% cashback on subscriptions & utilities |
Welcome benefit | — | — | — |
Lifetime free | Yes | Yes | No |
Network | American Express | RuPay | Visa |
Best for | rewards, lifetime-free | rewards, upi, lifetime-free | bill-payments |
Apply |
American Express
Lifetime free. 1000 bonus points on ₹20K monthly — Best for rewards · lifetime-free.
AU Small Finance Bank
Lifetime free. 2X rewards on UPI — Best for rewards · upi · lifetime-free.
Standard Chartered
5% cashback on subscriptions & utilities — Best for bill-payments.
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