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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
4 reward points per ₹150 — Best for travel · lounge-access · premium.
Annual fee
₹2,500
Mastercard · RBL Bank
5X on dining & fuel — Best for dining · fuel.
Annual fee
₹1,000
American Express
Annual Fee
₹1,500
Reward Rate
1000 bonus points on ₹20K monthly; 1X base
Welcome Benefit
—
HDFC Bank
Annual Fee
₹2,500
Reward Rate
4 reward points per ₹150
Welcome Benefit
—
RBL Bank
Annual Fee
₹1,000
Reward Rate
5X on dining & fuel
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 Bank Regalia Gold Credit CardMastercard · HDFC Bank | RBL Bank Edge Credit CardMastercard · RBL Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | American Express | HDFC Bank | RBL Bank |
Card | |||
Annual fee | ₹1,500 | ₹2,500 | ₹1,000Best |
Joining fee | ₹0Best | ₹2,500 | ₹1,000 |
Reward rate | 1000 bonus points on ₹20K monthly; 1X baseBest | 4 reward points per ₹150 | 5X on dining & fuel |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | American Express | Mastercard | Mastercard |
Best for | rewards, premium | travel, lounge-access, premium | dining, fuel |
Apply |
American Express
1000 bonus points on ₹20K monthly; 1X base — Best for rewards · premium.
HDFC Bank
4 reward points per ₹150 — Best for travel · lounge-access · premium.
RBL Bank
5X on dining & fuel — Best for dining · fuel.
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