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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
RuPay · HDFC Bank
2X reward points on UPI spends — Best for rewards · upi.
Annual fee
₹500
Visa · Uni (SBM Bank)
Lifetime free. 1.5X rewards on all spends — Best for rewards · lifetime-free.
Annual fee
Lifetime free
American Express
Annual Fee
₹1,500
Reward Rate
1000 bonus points on ₹20K monthly; 1X base
Welcome Benefit
—
HDFC Bank
Annual Fee
₹500
Reward Rate
2X reward points on UPI spends
Welcome Benefit
—
Uni (SBM Bank)
Annual Fee
Lifetime Free
Reward Rate
1.5X rewards on all spends
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 RuPay Credit CardRuPay · HDFC Bank | Uni Credit CardVisa · Uni (SBM Bank) |
|---|---|---|---|
Card image |  |  |  |
Provider | American Express | HDFC Bank | Uni (SBM Bank) |
Card | |||
Annual fee | ₹1,500 | ₹500 | Lifetime FreeBest |
Joining fee | ₹0 | ₹500 | ₹0 |
Reward rate | 1000 bonus points on ₹20K monthly; 1X baseBest | 2X reward points on UPI spends | 1.5X rewards on all spends |
Welcome benefit | — | — | — |
Lifetime free | No | No | YesBest |
Network | American Express | RuPay | Visa |
Best for | rewards, premium | rewards, upi | rewards, lifetime-free |
Apply |
American Express
1000 bonus points on ₹20K monthly; 1X base — Best for rewards · premium.
HDFC Bank
2X reward points on UPI spends — Best for rewards · upi.
Uni (SBM Bank)
Lifetime free. 1.5X rewards on all spends — Best for rewards · lifetime-free.
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