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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
Mastercard · HDFC Bank
4 reward points per ₹150 — Best for travel · lounge-access · premium.
Annual fee
₹2,500
Visa · Standard Chartered
Lifetime free. 2X rewards on dining — Best for dining · lifetime-free.
Annual fee
Lifetime free
American Express
Annual Fee
₹5,000
Reward Rate
5X rewards on travel; 1X on others
Welcome Benefit
—
HDFC Bank
Annual Fee
₹2,500
Reward Rate
4 reward points per ₹150
Welcome Benefit
—
Standard Chartered
Annual Fee
Lifetime Free
Reward Rate
2X rewards 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 Regalia Gold Credit CardMastercard · HDFC Bank | Standard Chartered Smart Credit CardVisa · Standard Chartered |
|---|---|---|---|
Card image |  |  |  |
Provider | American Express | HDFC Bank | Standard Chartered |
Card | |||
Annual fee | ₹5,000 | ₹2,500 | Lifetime FreeBest |
Joining fee | ₹5,000 | ₹2,500 | ₹0Best |
Reward rate | 5X rewards on travel; 1X on others | 4 reward points per ₹150Best | 2X rewards on dining |
Welcome benefit | — | — | — |
Lifetime free | No | No | YesBest |
Network | American Express | Mastercard | Visa |
Best for | travel, premium, lounge-access | travel, lounge-access, premium | dining, lifetime-free |
Apply |
American Express
5X rewards on travel; 1X on others — Best for travel · premium · lounge-access.
HDFC Bank
4 reward points per ₹150 — Best for travel · lounge-access · premium.
Standard Chartered
Lifetime free. 2X rewards on dining — Best for dining · lifetime-free.
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