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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 · Axis Bank
12000 bonus points on ₹1L monthly; 5X on travel — Best for premium · travel · lounge-access.
Annual fee
₹12,500
Visa · HDFC Bank
5 reward points per ₹150 — Best for online-shopping · lifestyle.
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
₹12,500
Reward Rate
12000 bonus points on ₹1L monthly; 5X on travel
Welcome Benefit
—
HDFC Bank
Annual Fee
₹500
Reward Rate
5 reward points per ₹150
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 Magnus Credit CardVisa · Axis Bank | HDFC Bank Shopper's Stop Credit CardVisa · HDFC Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | American Express | Axis Bank | HDFC Bank |
Card | |||
Annual fee | Lifetime FreeBest | ₹12,500 | ₹500 |
Joining fee | ₹0Best | ₹12,500 | ₹500 |
Reward rate | 10X on Amazon/Flipkart (cap); 5X on others | 12000 bonus points on ₹1L monthly; 5X on travelBest | 5 reward points per ₹150 |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | American Express | Visa | Visa |
Best for | online-shopping, lifetime-free | premium, travel, lounge-access | online-shopping, lifestyle |
Apply |
American Express
Lifetime free. 10X on Amazon/Flipkart (cap); 5X on others — Best for online-shopping · lifetime-free.
Axis Bank
12000 bonus points on ₹1L monthly; 5X on travel — Best for premium · travel · lounge-access.
HDFC Bank
5 reward points per ₹150 — Best for online-shopping · lifestyle.
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