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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
Mastercard · HDFC Bank
5 reward points per ₹150 — Best for premium · lounge-access · travel.
Annual fee
₹12,500
Visa · HDFC Bank
5X rewards on PayZapp — Best for online-shopping · cashback.
Annual fee
₹500
American Express
Annual Fee
₹1,500
Reward Rate
1000 bonus points on ₹20K monthly; 1X base
Welcome Benefit
—
HDFC Bank
Annual Fee
₹12,500
Reward Rate
5 reward points per ₹150
Welcome Benefit
—
HDFC Bank
Annual Fee
₹500
Reward Rate
5X rewards on PayZapp
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 | HDFC Infinia Credit CardMastercard · HDFC Bank | HDFC Bank PayZapp Credit CardVisa · HDFC Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | American Express | HDFC Bank | HDFC Bank |
Card | |||
Annual fee | ₹1,500 | ₹12,500 | ₹500Best |
Joining fee | ₹0Best | ₹12,500 | ₹500 |
Reward rate | 1000 bonus points on ₹20K monthly; 1X baseBest | 5 reward points per ₹150 | 5X rewards on PayZapp |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | American Express | Mastercard | Visa |
Best for | rewards, premium | premium, lounge-access, travel | online-shopping, cashback |
Apply |
American Express
1000 bonus points on ₹20K monthly; 1X base — Best for rewards · premium.
HDFC Bank
5 reward points per ₹150 — Best for premium · lounge-access · travel.
HDFC Bank
5X rewards on PayZapp — Best for online-shopping · cashback.
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