We use analytics cookies to understand how visitors interact with our site. By continuing you agree to our use of cookies as described in our Privacy Policy.
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
RuPay · HDFC Bank
2X reward points on UPI spends — Best for rewards · upi.
Annual fee
₹500
Visa · SBI Card
1 reward point per ₹100 — Best for rewards · beginners.
Annual fee
₹499
American Express
Annual Fee
₹5,000
Reward Rate
5X rewards on travel; 1X on others
Welcome Benefit
—
HDFC Bank
Annual Fee
₹500
Reward Rate
2X reward points on UPI spends
Welcome Benefit
—
SBI Card
Annual Fee
₹499
Reward Rate
1 reward point 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 Travel Credit CardAmerican Express · American Express | HDFC Bank RuPay Credit CardRuPay · HDFC Bank | SBI Unnati Credit CardVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | American Express | HDFC Bank | SBI Card |
Card | |||
Annual fee | ₹5,000 | ₹500 | ₹499Best |
Joining fee | ₹5,000 | ₹500 | ₹499Best |
Reward rate | 5X rewards on travel; 1X on others | 2X reward points on UPI spends | 1 reward point per ₹100Best |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | American Express | RuPay | Visa |
Best for | travel, premium, lounge-access | rewards, upi | rewards, beginners |
Apply |
American Express
5X rewards on travel; 1X on others — Best for travel · premium · lounge-access.
HDFC Bank
2X reward points on UPI spends — Best for rewards · upi.
SBI Card
1 reward point per ₹100 — Best for rewards · beginners.
Related Guides
In-depth guides on rewards, lounge access, forex and more.
Related Comparisons
Compare any two cards side-by-side across 140+ issuers.
