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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 · Bank of Baroda
5X rewards on travel & dining — Best for travel · dining.
Annual fee
₹750
Mastercard · HDFC Bank
4 reward points per ₹150 — Best for travel · lounge-access · premium.
Annual fee
₹2,500
American Express
Annual Fee
Lifetime Free
Reward Rate
10X on Amazon/Flipkart (cap); 5X on others
Welcome Benefit
—
Bank of Baroda
Annual Fee
₹750
Reward Rate
5X rewards on travel & dining
Welcome Benefit
—
HDFC Bank
Annual Fee
₹2,500
Reward Rate
4 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 | Bank of Baroda Select Credit CardVisa · Bank of Baroda | HDFC Bank Regalia Gold Credit CardMastercard · HDFC Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | American Express | Bank of Baroda | HDFC Bank |
Card | |||
Annual fee | Lifetime FreeBest | ₹750 | ₹2,500 |
Joining fee | ₹0Best | ₹750 | ₹2,500 |
Reward rate | 10X on Amazon/Flipkart (cap); 5X on others | 5X rewards on travel & dining | 4 reward points per ₹150Best |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | American Express | Visa | Mastercard |
Best for | online-shopping, lifetime-free | travel, dining | travel, lounge-access, premium |
Apply |
American Express
Lifetime free. 10X on Amazon/Flipkart (cap); 5X on others — Best for online-shopping · lifetime-free.
Bank of Baroda
5X rewards on travel & dining — Best for travel · dining.
HDFC Bank
4 reward points per ₹150 — Best for travel · lounge-access · premium.
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