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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
American Express · American Express
5X on travel; 1X elsewhere — Best for travel · premium.
Annual fee
₹5,000
Visa · AU Small Finance Bank
Lifetime free. 5X on top merchants; 2X on others — Best for lifetime-free · rewards.
Annual fee
Lifetime free
Visa · HDFC Bank
10X cashback on partner spends; 2X on PayZapp — Best for online-shopping · cashback.
Annual fee
₹500
American Express
Annual Fee
₹5,000
Reward Rate
5X on travel; 1X elsewhere
Welcome Benefit
—
AU Small Finance Bank
Annual Fee
Lifetime Free
Reward Rate
5X on top merchants; 2X on others
Welcome Benefit
—
HDFC Bank
Annual Fee
₹500
Reward Rate
10X cashback on partner spends; 2X 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 Platinum Reserve Credit CardAmerican Express · American Express | AU LifeTime Free Credit CardVisa · AU Small Finance Bank | HDFC Bank MoneyBack Plus Credit CardVisa · HDFC Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | American Express | AU Small Finance Bank | HDFC Bank |
Card | |||
Annual fee | ₹5,000 | Lifetime FreeBest | ₹500 |
Joining fee | ₹5,000 | ₹0Best | ₹500 |
Reward rate | 5X on travel; 1X elsewhere | 5X on top merchants; 2X on others | 10X cashback on partner spends; 2X on PayZappBest |
Welcome benefit | — | — | — |
Lifetime free | No | YesBest | No |
Network | American Express | Visa | Visa |
Best for | travel, premium | lifetime-free, rewards | online-shopping, cashback |
Apply |
American Express
5X on travel; 1X elsewhere — Best for travel · premium.
AU Small Finance Bank
Lifetime free. 5X on top merchants; 2X on others — Best for lifetime-free · rewards.
HDFC Bank
10X cashback on partner spends; 2X on PayZapp — Best for online-shopping · cashback.
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