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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 · HDFC Bank
Lifetime free. 1 reward point per ₹100 — Best for fuel · bill-payments.
Annual fee
Lifetime free
Visa · HSBC India
5X on travel — Best for travel.
Annual fee
₹3,000
American Express
Annual Fee
₹5,000
Reward Rate
5X on travel; 1X elsewhere
Welcome Benefit
—
HDFC Bank
Annual Fee
Lifetime Free
Reward Rate
1 reward point per ₹100
Welcome Benefit
—
HSBC India
Annual Fee
₹3,000
Reward Rate
5X on travel
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 IRIS Credit CardVisa · HDFC Bank | HSBC TravelOne Credit CardVisa · HSBC India |
|---|---|---|---|
Card image |  |  |  |
Provider | American Express | HDFC Bank | HSBC India |
Card | |||
Annual fee | ₹5,000 | Lifetime FreeBest | ₹3,000 |
Joining fee | ₹5,000 | ₹0Best | ₹3,000 |
Reward rate | 5X on travel; 1X elsewhere | 1 reward point per ₹100Best | 5X on travel |
Welcome benefit | — | — | — |
Lifetime free | No | YesBest | No |
Network | American Express | Visa | Visa |
Best for | travel, premium | fuel, bill-payments | travel |
Apply |
American Express
5X on travel; 1X elsewhere — Best for travel · premium.
HDFC Bank
Lifetime free. 1 reward point per ₹100 — Best for fuel · bill-payments.
HSBC India
5X on travel — Best for travel.
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