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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
5X rewards on PayZapp — Best for online-shopping · cashback.
Annual fee
₹500
Visa · HSBC India
2X reward points per ₹100 — Best for rewards.
Annual fee
₹500
American Express
Annual Fee
₹5,000
Reward Rate
5X on travel; 1X elsewhere
Welcome Benefit
—
HDFC Bank
Annual Fee
₹500
Reward Rate
5X rewards on PayZapp
Welcome Benefit
—
HSBC India
Annual Fee
₹500
Reward Rate
2X reward points per ₹100
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 PayZapp Credit CardVisa · HDFC Bank | HSBC Smart Value Credit CardVisa · HSBC India |
|---|---|---|---|
Card image |  |  |  |
Provider | American Express | HDFC Bank | HSBC India |
Card | |||
Annual fee | ₹5,000 | ₹500 | ₹500 |
Joining fee | ₹5,000 | ₹500 | ₹500 |
Reward rate | 5X on travel; 1X elsewhere | 5X rewards on PayZapp | 2X reward points per ₹100Best |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | American Express | Visa | Visa |
Best for | travel, premium | online-shopping, cashback | rewards |
Apply |
American Express
5X on travel; 1X elsewhere — Best for travel · premium.
HDFC Bank
5X rewards on PayZapp — Best for online-shopping · cashback.
HSBC India
2X reward points per ₹100 — Best for rewards.
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