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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
5 reward points per ₹150 — Best for online-shopping · lifestyle.
Annual fee
₹500
American Express · ICICI Bank
3 reward points per ₹100 — Best for premium · luxury.
Annual fee
₹20,000
American Express
Annual Fee
Lifetime Free
Reward Rate
1000 bonus points on ₹20K monthly
Welcome Benefit
—
HDFC Bank
Annual Fee
₹500
Reward Rate
5 reward points per ₹150
Welcome Benefit
—
ICICI Bank
Annual Fee
₹20,000
Reward Rate
3 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 Shopper's Stop Credit CardVisa · HDFC Bank | ICICI Bank Bvlgari Credit CardAmerican Express · ICICI Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | American Express | HDFC Bank | ICICI Bank |
Card | |||
Annual fee | Lifetime FreeBest | ₹500 | ₹20,000 |
Joining fee | ₹0Best | ₹500 | ₹20,000 |
Reward rate | 1000 bonus points on ₹20K monthlyBest | 5 reward points per ₹150 | 3 reward points per ₹100 |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | American Express | Visa | American Express |
Best for | rewards, lifetime-free | online-shopping, lifestyle | premium, luxury |
Apply |
American Express
Lifetime free. 1000 bonus points on ₹20K monthly — Best for rewards · lifetime-free.
HDFC Bank
5 reward points per ₹150 — Best for online-shopping · lifestyle.
ICICI Bank
3 reward points per ₹100 — Best for premium · luxury.
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