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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
Visa · HDFC Bank
Lifetime free. 10X Reward Points / CashPoints on Big Basket, BookMyShow, OYO, Swiggy, Uber; … — Best for .
Annual fee
₹0
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
—
HDFC Bank
Annual Fee
₹0
Reward Rate
10X Reward Points / CashPoints on Big Basket, BookMyShow, OYO, Swiggy, Uber; 2 Reward Points per ₹200 on other spends
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 | HDFC Bank Freedom Credit CardVisa · HDFC Bank | HSBC Smart Value Credit CardVisa · HSBC India |
|---|---|---|---|
Card image |  |  |  |
Provider | American Express | HDFC Bank | HSBC India |
Card | |||
Annual fee | Lifetime Free | ₹0 | ₹500 |
Joining fee | ₹0Best | ₹1,000 | ₹500 |
Reward rate | 1000 bonus points on ₹20K monthly | 10X Reward Points / CashPoints on Big Basket, BookMyShow, OYO, Swiggy, Uber; 2 Reward Points per ₹200 on other spendsBest | 2X reward points per ₹100 |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | American Express | Visa | Visa |
Best for | rewards, lifetime-free | — | rewards |
Apply |
American Express
Lifetime free. 1000 bonus points on ₹20K monthly — Best for rewards · lifetime-free.
HDFC Bank
Lifetime free. 10X Reward Points / CashPoints on Big Basket, BookMyShow, OYO, Swiggy, Uber; … — Best for .
HSBC India
2X reward points per ₹100 — Best for rewards.
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