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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
Mastercard · HDFC Bank
2 reward points per ₹150 — Best for rewards · everyday.
Annual fee
₹500
Mastercard · HDFC Bank
5 reward points per ₹150 — Best for premium · lounge-access · travel.
Annual fee
₹12,500
American Express
Annual Fee
₹5,000
Reward Rate
5X on travel; 1X elsewhere
Welcome Benefit
—
HDFC Bank
Annual Fee
₹500
Reward Rate
2 reward points per ₹150
Welcome Benefit
—
HDFC Bank
Annual Fee
₹12,500
Reward Rate
5 reward points per ₹150
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 | HDFC Bank Bharat Credit CardMastercard · HDFC Bank | HDFC Infinia Credit CardMastercard · HDFC Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | American Express | HDFC Bank | HDFC Bank |
Card | |||
Annual fee | ₹5,000 | ₹500Best | ₹12,500 |
Joining fee | ₹5,000 | ₹500Best | ₹12,500 |
Reward rate | 5X on travel; 1X elsewhere | 2 reward points per ₹150 | 5 reward points per ₹150Best |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | American Express | Mastercard | Mastercard |
Best for | travel, premium | rewards, everyday | premium, lounge-access, travel |
Apply |
American Express
5X on travel; 1X elsewhere — Best for travel · premium.
HDFC Bank
2 reward points per ₹150 — Best for rewards · everyday.
HDFC Bank
5 reward points per ₹150 — Best for premium · lounge-access · travel.
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