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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
RuPay · AU Small Finance Bank
Lifetime free. 2X rewards on UPI — Best for rewards · upi · lifetime-free.
Annual fee
Lifetime free
Visa · Standard Chartered
5% cashback on utilities — Best for bill-payments.
Annual fee
₹750
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
2X rewards on UPI
Welcome Benefit
—
Standard Chartered
Annual Fee
₹750
Reward Rate
5% cashback on utilities
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 RuPay Credit CardRuPay · AU Small Finance Bank | Standard Chartered Super ValueTitanium Credit CardVisa · Standard Chartered |
|---|---|---|---|
Card image |  |  |  |
Provider | American Express | AU Small Finance Bank | Standard Chartered |
Card | |||
Annual fee | ₹5,000 | Lifetime FreeBest | ₹750 |
Joining fee | ₹5,000 | ₹0Best | ₹750 |
Reward rate | 5X on travel; 1X elsewhereBest | 2X rewards on UPI | 5% cashback on utilities |
Welcome benefit | — | — | — |
Lifetime free | No | YesBest | No |
Network | American Express | RuPay | Visa |
Best for | travel, premium | rewards, upi, lifetime-free | bill-payments |
Apply |
American Express
5X on travel; 1X elsewhere — Best for travel · premium.
AU Small Finance Bank
Lifetime free. 2X rewards on UPI — Best for rewards · upi · lifetime-free.
Standard Chartered
5% cashback on utilities — Best for bill-payments.
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