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
Lifetime free. 10X on Amazon/Flipkart (cap); 5X on others — Best for online-shopping · lifetime-free.
Annual fee
Lifetime free
Visa · AU Small Finance Bank
Lifetime free. 2X rewards on fuel & travel — Best for fuel · travel · lifetime-free.
Annual fee
Lifetime free
Visa · HSBC India
5X on travel — Best for travel.
Annual fee
₹3,000
American Express
Annual Fee
Lifetime Free
Reward Rate
10X on Amazon/Flipkart (cap); 5X on others
Welcome Benefit
—
AU Small Finance Bank
Annual Fee
Lifetime Free
Reward Rate
2X rewards on fuel & travel
Welcome Benefit
—
HSBC India
Annual Fee
₹3,000
Reward Rate
5X on travel
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 SmartEarn Credit CardAmerican Express · American Express | AU Aldiyar Credit CardVisa · AU Small Finance Bank | HSBC TravelOne Credit CardVisa · HSBC India |
|---|---|---|---|
Card image |  |  |  |
Provider | American Express | AU Small Finance Bank | HSBC India |
Card | |||
Annual fee | Lifetime Free | Lifetime Free | ₹3,000 |
Joining fee | ₹0 | ₹0 | ₹3,000 |
Reward rate | 10X on Amazon/Flipkart (cap); 5X on othersBest | 2X rewards on fuel & travel | 5X on travel |
Welcome benefit | — | — | — |
Lifetime free | Yes | Yes | No |
Network | American Express | Visa | Visa |
Best for | online-shopping, lifetime-free | fuel, travel, lifetime-free | travel |
Apply |
American Express
Lifetime free. 10X on Amazon/Flipkart (cap); 5X on others — Best for online-shopping · lifetime-free.
AU Small Finance Bank
Lifetime free. 2X rewards on fuel & travel — Best for fuel · travel · lifetime-free.
HSBC India
5X on travel — Best for travel.
Related Guides
In-depth guides on rewards, lounge access, forex and more.
Related Comparisons
Compare any two cards side-by-side across 140+ issuers.
