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. 5X on top merchants; 2X on others — Best for lifetime-free · rewards.
Annual fee
Lifetime free
Visa · HDFC Bank
5% NeuCoins on Tata; 1.5% on others — Best for online-shopping · premium · rewards.
Annual fee
₹5,000
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
5X on top merchants; 2X on others
Welcome Benefit
—
HDFC Bank
Annual Fee
₹5,000
Reward Rate
5% NeuCoins on Tata; 1.5% on others
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 LifeTime Free Credit CardVisa · AU Small Finance Bank | HDFC Bank Tata Neu Infinity Credit CardVisa · HDFC Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | American Express | AU Small Finance Bank | HDFC Bank |
Card | |||
Annual fee | Lifetime Free | Lifetime Free | ₹5,000 |
Joining fee | ₹0 | ₹0 | ₹5,000 |
Reward rate | 10X on Amazon/Flipkart (cap); 5X on othersBest | 5X on top merchants; 2X on others | 5% NeuCoins on Tata; 1.5% on others |
Welcome benefit | — | — | — |
Lifetime free | Yes | Yes | No |
Network | American Express | Visa | Visa |
Best for | online-shopping, lifetime-free | lifetime-free, rewards | online-shopping, premium, rewards |
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. 5X on top merchants; 2X on others — Best for lifetime-free · rewards.
HDFC Bank
5% NeuCoins on Tata; 1.5% on others — Best for online-shopping · premium · rewards.
Related Guides
In-depth guides on rewards, lounge access, forex and more.
Related Comparisons
Compare any two cards side-by-side across 140+ issuers.
