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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 · HSBC India
Lifetime free. 2X rewards per ₹100 — Best for lifetime-free · rewards.
Annual fee
Lifetime free
Visa · IndusInd Bank
Lifetime free. 1 reward point per ₹100 — Best for lifetime-free · rewards.
Annual fee
Lifetime free
American Express
Annual Fee
₹5,000
Reward Rate
5X rewards on travel; 1X on others
Welcome Benefit
—
HSBC India
Annual Fee
Lifetime Free
Reward Rate
2X rewards per ₹100
Welcome Benefit
—
IndusInd Bank
Annual Fee
Lifetime Free
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 | HSBC Visa Platinum Credit CardVisa · HSBC India | IndusInd Bank iconNIQ Credit CardVisa · IndusInd Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | American Express | HSBC India | IndusInd Bank |
Card | |||
Annual fee | ₹5,000 | Lifetime Free | Lifetime Free |
Joining fee | ₹5,000 | ₹0 | ₹0 |
Reward rate | 5X rewards on travel; 1X on others | 2X rewards per ₹100Best | 1 reward point per ₹100 |
Welcome benefit | — | — | — |
Lifetime free | No | Yes | Yes |
Network | American Express | Visa | Visa |
Best for | travel, premium, lounge-access | lifetime-free, rewards | lifetime-free, rewards |
Apply |
American Express
5X rewards on travel; 1X on others — Best for travel · premium · lounge-access.
HSBC India
Lifetime free. 2X rewards per ₹100 — Best for lifetime-free · rewards.
IndusInd Bank
Lifetime free. 1 reward point per ₹100 — Best for lifetime-free · rewards.
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