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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
5 reward points per ₹150 — Best for premium · lounge-access · travel.
Annual fee
₹12,500
Visa · Kotak Mahindra Bank
4X rewards on selected spends — Best for rewards · premium.
Annual fee
₹3,000
American Express
Annual Fee
Lifetime Free
Reward Rate
10X on Amazon/Flipkart (cap); 5X on others
Welcome Benefit
—
HDFC Bank
Annual Fee
₹12,500
Reward Rate
5 reward points per ₹150
Welcome Benefit
—
Kotak Mahindra Bank
Annual Fee
₹3,000
Reward Rate
4X rewards on selected spends
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 Infinia Credit CardMastercard · HDFC Bank | Kotak White Reserve Credit CardVisa · Kotak Mahindra Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | American Express | HDFC Bank | Kotak Mahindra Bank |
Card | |||
Annual fee | Lifetime FreeBest | ₹12,500 | ₹3,000 |
Joining fee | ₹0Best | ₹12,500 | ₹3,000 |
Reward rate | 10X on Amazon/Flipkart (cap); 5X on others | 5 reward points per ₹150Best | 4X rewards on selected spends |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | American Express | Mastercard | Visa |
Best for | online-shopping, lifetime-free | premium, lounge-access, travel | rewards, premium |
Apply |
American Express
Lifetime free. 10X on Amazon/Flipkart (cap); 5X on others — Best for online-shopping · lifetime-free.
HDFC Bank
5 reward points per ₹150 — Best for premium · lounge-access · travel.
Kotak Mahindra Bank
4X rewards on selected spends — Best for rewards · premium.
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