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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 · Federal Bank
2 reward points per ₹100 — Best for rewards.
Annual fee
₹1,500
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
—
Federal Bank
Annual Fee
₹1,500
Reward Rate
2 reward points per ₹100
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 | Federal Bank Visa Signature Credit CardVisa · Federal Bank | HDFC Bank Shopper's Stop Credit CardVisa · HDFC Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | American Express | Federal Bank | HDFC Bank |
Card | |||
Annual fee | Lifetime FreeBest | ₹1,500 | ₹500 |
Joining fee | ₹0Best | ₹1,500 | ₹500 |
Reward rate | 10X on Amazon/Flipkart (cap); 5X on others | 2 reward points per ₹100 | 5 reward points per ₹150Best |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | American Express | Visa | Visa |
Best for | online-shopping, lifetime-free | rewards | online-shopping, lifestyle |
Apply |
American Express
Lifetime free. 10X on Amazon/Flipkart (cap); 5X on others — Best for online-shopping · lifetime-free.
Federal Bank
2 reward points per ₹100 — Best for rewards.
HDFC Bank
5 reward points per ₹150 — Best for online-shopping · lifestyle.
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