We use analytics cookies to understand how visitors interact with our site. By continuing you agree to our use of cookies as described in our Privacy Policy.
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 · HDFC Bank
Lifetime free. 10X Reward Points / CashPoints on Big Basket, BookMyShow, OYO, Swiggy, Uber; … — Best for .
Annual fee
₹0
Visa · Standard Chartered
Lifetime free. 5% cashback on fuel & utility — Best for fuel · bill-payments · lifetime-free.
Annual fee
Lifetime free
American Express
Annual Fee
₹5,000
Reward Rate
5X on travel; 1X elsewhere
Welcome Benefit
—
HDFC Bank
Annual Fee
₹0
Reward Rate
10X Reward Points / CashPoints on Big Basket, BookMyShow, OYO, Swiggy, Uber; 2 Reward Points per ₹200 on other spends
Welcome Benefit
—
Standard Chartered
Annual Fee
Lifetime Free
Reward Rate
5% cashback on fuel & utility
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 Freedom Credit CardVisa · HDFC Bank | Standard Chartered Platinum Credit CardVisa · Standard Chartered |
|---|---|---|---|
Card image |  |  |  |
Provider | American Express | HDFC Bank | Standard Chartered |
Card | |||
Annual fee | ₹5,000 | ₹0 | Lifetime Free |
Joining fee | ₹5,000 | ₹1,000 | ₹0Best |
Reward rate | 5X on travel; 1X elsewhere | 10X Reward Points / CashPoints on Big Basket, BookMyShow, OYO, Swiggy, Uber; 2 Reward Points per ₹200 on other spendsBest | 5% cashback on fuel & utility |
Welcome benefit | — | — | — |
Lifetime free | No | No | YesBest |
Network | American Express | Visa | Visa |
Best for | travel, premium | — | fuel, bill-payments, lifetime-free |
Apply |
American Express
5X on travel; 1X elsewhere — Best for travel · premium.
HDFC Bank
Lifetime free. 10X Reward Points / CashPoints on Big Basket, BookMyShow, OYO, Swiggy, Uber; … — Best for .
Standard Chartered
Lifetime free. 5% cashback on fuel & utility — Best for fuel · bill-payments · lifetime-free.
Related Guides
In-depth guides on rewards, lounge access, forex and more.
Related Comparisons
Compare any two cards side-by-side across 140+ issuers.
