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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
2 cashback points per ₹150 (1 point = ₹0.25) — Best for cashback · fuel.
Annual fee
₹500
Visa · OneCard
Lifetime free. 5X rewards on top categories — Best for lifetime-free · app-driven · rewards.
Annual fee
Lifetime free
American Express
Annual Fee
₹5,000
Reward Rate
5X on travel; 1X elsewhere
Welcome Benefit
—
HDFC Bank
Annual Fee
₹500
Reward Rate
2 cashback points per ₹150 (1 point = ₹0.25)
Welcome Benefit
—
OneCard
Annual Fee
Lifetime Free
Reward Rate
5X rewards on top categories
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 MoneyBack Credit CardVisa · HDFC Bank | OneCard RuPay Credit CardVisa · OneCard |
|---|---|---|---|
Card image |  |  |  |
Provider | American Express | HDFC Bank | OneCard |
Card | |||
Annual fee | ₹5,000 | ₹500 | Lifetime FreeBest |
Joining fee | ₹5,000 | ₹500 | ₹0Best |
Reward rate | 5X on travel; 1X elsewhere | 2 cashback points per ₹150 (1 point = ₹0.25)Best | 5X rewards on top categories |
Welcome benefit | — | — | — |
Lifetime free | No | No | YesBest |
Network | American Express | Visa | Visa |
Best for | travel, premium | cashback, fuel | lifetime-free, app-driven, rewards, upi |
Apply |
American Express
5X on travel; 1X elsewhere — Best for travel · premium.
HDFC Bank
2 cashback points per ₹150 (1 point = ₹0.25) — Best for cashback · fuel.
OneCard
Lifetime free. 5X rewards on top categories — Best for lifetime-free · app-driven · rewards.
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