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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. 1 reward point per ₹100 — Best for fuel · bill-payments.
Annual fee
Lifetime free
Mastercard · ICICI Bank
2 Payback points per ₹100 on dining — Best for dining · rewards.
Annual fee
₹500
American Express
Annual Fee
₹5,000
Reward Rate
5X rewards on travel; 1X on others
Welcome Benefit
—
HDFC Bank
Annual Fee
Lifetime Free
Reward Rate
1 reward point per ₹100
Welcome Benefit
—
ICICI Bank
Annual Fee
₹500
Reward Rate
2 Payback points per ₹100 on dining
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 IRIS Credit CardVisa · HDFC Bank | ICICI Coral Credit CardMastercard · ICICI Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | American Express | HDFC Bank | ICICI Bank |
Card | |||
Annual fee | ₹5,000 | Lifetime FreeBest | ₹500 |
Joining fee | ₹5,000 | ₹0Best | ₹500 |
Reward rate | 5X rewards on travel; 1X on others | 1 reward point per ₹100 | 2 Payback points per ₹100 on diningBest |
Welcome benefit | — | — | — |
Lifetime free | No | YesBest | No |
Network | American Express | Visa | Mastercard |
Best for | travel, premium, lounge-access | fuel, bill-payments | dining, rewards |
Apply |
American Express
5X rewards on travel; 1X on others — Best for travel · premium · lounge-access.
HDFC Bank
Lifetime free. 1 reward point per ₹100 — Best for fuel · bill-payments.
ICICI Bank
2 Payback points per ₹100 on dining — Best for dining · rewards.
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