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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 rewards on travel; 1X on others — Best for travel · premium · lounge-access.
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 · Kotak Mahindra Bank
4X rewards on selected spends — Best for rewards · premium.
Annual fee
₹3,000
American Express
Annual Fee
₹5,000
Reward Rate
5X rewards on travel; 1X on others
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
—
Kotak Mahindra Bank
Annual Fee
₹3,000
Reward Rate
4X rewards on selected spends
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 Travel Credit CardAmerican Express · American Express | HDFC Bank Freedom Credit CardVisa · HDFC Bank | Kotak White Reserve Credit CardVisa · Kotak Mahindra Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | American Express | HDFC Bank | Kotak Mahindra Bank |
Card | |||
Annual fee | ₹5,000 | ₹0Best | ₹3,000 |
Joining fee | ₹5,000 | ₹1,000Best | ₹3,000 |
Reward rate | 5X rewards on travel; 1X on others | 10X Reward Points / CashPoints on Big Basket, BookMyShow, OYO, Swiggy, Uber; 2 Reward Points per ₹200 on other spendsBest | 4X rewards on selected spends |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | American Express | Visa | Visa |
Best for | travel, premium, lounge-access | — | rewards, premium |
Apply |
American Express
5X rewards on travel; 1X on others — Best for travel · premium · lounge-access.
HDFC Bank
Lifetime free. 10X Reward Points / CashPoints on Big Basket, BookMyShow, OYO, Swiggy, Uber; … — Best for .
Kotak Mahindra Bank
4X rewards on selected spends — Best for rewards · premium.
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