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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
American Express · American Express
1000 bonus points on ₹20K monthly; 1X base — Best for rewards · premium.
Annual fee
₹1,500
Visa · Federal Bank
Lifetime free. 1 reward point per ₹100 — Best for lifetime-free · rewards.
Annual fee
Lifetime free
Visa · HDFC Bank
2 Marriott Bonvoy points per ₹150 — Best for travel · hotels · lounge-access.
Annual fee
₹3,000
American Express
Annual Fee
₹1,500
Reward Rate
1000 bonus points on ₹20K monthly; 1X base
Welcome Benefit
—
Federal Bank
Annual Fee
Lifetime Free
Reward Rate
1 reward point per ₹100
Welcome Benefit
—
HDFC Bank
Annual Fee
₹3,000
Reward Rate
2 Marriott Bonvoy points per ₹150
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 Membership Rewards Credit CardAmerican Express · American Express | Federal Bank Celebration Credit CardVisa · Federal Bank | HDFC Bank Marriott Bonvoy Credit CardVisa · HDFC Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | American Express | Federal Bank | HDFC Bank |
Card | |||
Annual fee | ₹1,500 | Lifetime FreeBest | ₹3,000 |
Joining fee | ₹0 | ₹0 | ₹3,000 |
Reward rate | 1000 bonus points on ₹20K monthly; 1X baseBest | 1 reward point per ₹100 | 2 Marriott Bonvoy points per ₹150 |
Welcome benefit | — | — | — |
Lifetime free | No | YesBest | No |
Network | American Express | Visa | Visa |
Best for | rewards, premium | lifetime-free, rewards | travel, hotels, lounge-access |
Apply |
American Express
1000 bonus points on ₹20K monthly; 1X base — Best for rewards · premium.
Federal Bank
Lifetime free. 1 reward point per ₹100 — Best for lifetime-free · rewards.
HDFC Bank
2 Marriott Bonvoy points per ₹150 — Best for travel · hotels · lounge-access.
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