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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 · SBI Card
10 Reward Points per ₹150 on dining, movies, departmental stores and grocery;… — Best for .
Annual fee
₹499
Visa · Standard Chartered
Lifetime free. 5% cashback on fuel & utility — Best for fuel · bill-payments · lifetime-free.
Annual fee
Lifetime free
American Express
Annual Fee
Lifetime Free
Reward Rate
1000 bonus points on ₹20K monthly
Welcome Benefit
—
SBI Card
Annual Fee
₹499
Reward Rate
10 Reward Points per ₹150 on dining, movies, departmental stores and grocery; 1 Reward Point per ₹150 on all other spends; 4 Reward Points = Re. 1
Welcome Benefit
—
Standard Chartered
Annual Fee
Lifetime Free
Reward Rate
5% cashback on fuel & utility
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 | SimplySAVE SBI CardVisa · SBI Card | Standard Chartered Platinum Credit CardVisa · Standard Chartered |
|---|---|---|---|
Card image |  |  |  |
Provider | American Express | SBI Card | Standard Chartered |
Card | |||
Annual fee | Lifetime Free | ₹499 | Lifetime Free |
Joining fee | ₹0 | ₹499 | ₹0 |
Reward rate | 1000 bonus points on ₹20K monthly | 10 Reward Points per ₹150 on dining, movies, departmental stores and grocery; 1 Reward Point per ₹150 on all other spends; 4 Reward Points = Re. 1Best | 5% cashback on fuel & utility |
Welcome benefit | — | — | — |
Lifetime free | Yes | No | Yes |
Network | American Express | Visa | Visa |
Best for | rewards, lifetime-free | — | fuel, bill-payments, lifetime-free |
Apply |
American Express
Lifetime free. 1000 bonus points on ₹20K monthly — Best for rewards · lifetime-free.
SBI Card
10 Reward Points per ₹150 on dining, movies, departmental stores and grocery;… — Best for .
Standard Chartered
Lifetime free. 5% cashback on fuel & utility — Best for fuel · bill-payments · lifetime-free.
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