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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
Mastercard · Axis Bank
2X rewards on dining — Best for dining.
Annual fee
₹750
Visa · HDFC Bank
5X rewards on PayZapp — Best for online-shopping · cashback.
Annual fee
₹500
American Express
Annual Fee
Lifetime Free
Reward Rate
10X on Amazon/Flipkart (cap); 5X on others
Welcome Benefit
—
Axis Bank
Annual Fee
₹750
Reward Rate
2X rewards on dining
Welcome Benefit
—
HDFC Bank
Annual Fee
₹500
Reward Rate
5X rewards on PayZapp
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 | Axis Aura Credit CardMastercard · Axis Bank | HDFC Bank PayZapp Credit CardVisa · HDFC Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | American Express | Axis Bank | HDFC Bank |
Card | |||
Annual fee | Lifetime FreeBest | ₹750 | ₹500 |
Joining fee | ₹0Best | ₹750 | ₹500 |
Reward rate | 10X on Amazon/Flipkart (cap); 5X on othersBest | 2X rewards on dining | 5X rewards on PayZapp |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | American Express | Mastercard | Visa |
Best for | online-shopping, lifetime-free | dining | online-shopping, cashback |
Apply |
American Express
Lifetime free. 10X on Amazon/Flipkart (cap); 5X on others — Best for online-shopping · lifetime-free.
Axis Bank
2X rewards on dining — Best for dining.
HDFC Bank
5X rewards on PayZapp — Best for online-shopping · cashback.
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