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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
5X on top merchants; 2X on others — Best for rewards · premium.
Annual fee
₹3,000
Mastercard · Standard Chartered
5% cashback on fuel — Best for fuel.
Annual fee
₹750
American Express
Annual Fee
Lifetime Free
Reward Rate
10X on Amazon/Flipkart (cap); 5X on others
Welcome Benefit
—
AU Small Finance Bank
Annual Fee
₹3,000
Reward Rate
5X on top merchants; 2X on others
Welcome Benefit
—
Standard Chartered
Annual Fee
₹750
Reward Rate
5% cashback on fuel
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 Zenith Credit CardVisa · AU Small Finance Bank | Standard Chartered Titanium Credit CardMastercard · Standard Chartered |
|---|---|---|---|
Card image |  |  |  |
Provider | American Express | AU Small Finance Bank | Standard Chartered |
Card | |||
Annual fee | Lifetime FreeBest | ₹3,000 | ₹750 |
Joining fee | ₹0Best | ₹3,000 | ₹750 |
Reward rate | 10X on Amazon/Flipkart (cap); 5X on othersBest | 5X on top merchants; 2X on others | 5% cashback on fuel |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | American Express | Visa | Mastercard |
Best for | online-shopping, lifetime-free | rewards, premium | fuel |
Apply |
American Express
Lifetime free. 10X on Amazon/Flipkart (cap); 5X on others — Best for online-shopping · lifetime-free.
AU Small Finance Bank
5X on top merchants; 2X on others — Best for rewards · premium.
Standard Chartered
5% cashback on fuel — Best for fuel.
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