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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 · HDFC Bank
2 reward points per ₹150 — Best for rewards · everyday.
Annual fee
₹500
Visa · Standard Chartered
Lifetime free. 5% cashback on fuel & utility — Best for fuel · bill-payments · lifetime-free.
Annual fee
Lifetime free
American Express
Annual Fee
Lifetime Free
Reward Rate
10X on Amazon/Flipkart (cap); 5X on others
Welcome Benefit
—
HDFC Bank
Annual Fee
₹500
Reward Rate
2 reward points per ₹150
Welcome Benefit
—
Standard Chartered
Annual Fee
Lifetime Free
Reward Rate
5% cashback on fuel & utility
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 | HDFC Bank Bharat Credit CardMastercard · HDFC Bank | Standard Chartered Platinum Credit CardVisa · Standard Chartered |
|---|---|---|---|
Card image |  |  |  |
Provider | American Express | HDFC Bank | Standard Chartered |
Card | |||
Annual fee | Lifetime Free | ₹500 | Lifetime Free |
Joining fee | ₹0 | ₹500 | ₹0 |
Reward rate | 10X on Amazon/Flipkart (cap); 5X on others | 2 reward points per ₹150Best | 5% cashback on fuel & utility |
Welcome benefit | — | — | — |
Lifetime free | Yes | No | Yes |
Network | American Express | Mastercard | Visa |
Best for | online-shopping, lifetime-free | rewards, everyday | fuel, bill-payments, lifetime-free |
Apply |
American Express
Lifetime free. 10X on Amazon/Flipkart (cap); 5X on others — Best for online-shopping · lifetime-free.
HDFC Bank
2 reward points per ₹150 — Best for rewards · everyday.
Standard Chartered
Lifetime free. 5% cashback on fuel & utility — Best for fuel · bill-payments · lifetime-free.
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