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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
4 reward points per ₹150 — Best for travel · lounge-access · premium.
Annual fee
₹2,500
Mastercard · SBI Card
2 Travel Credits per ₹200 on travel spends; 1 Travel Credit per ₹200 on other… — Best for .
Annual fee
₹1,499
American Express
Annual Fee
Lifetime Free
Reward Rate
10X on Amazon/Flipkart (cap); 5X on others
Welcome Benefit
—
HDFC Bank
Annual Fee
₹2,500
Reward Rate
4 reward points per ₹150
Welcome Benefit
—
SBI Card
Annual Fee
₹1,499
Reward Rate
2 Travel Credits per ₹200 on travel spends; 1 Travel Credit per ₹200 on other spends; Travel Credits can be redeemed for Air Miles / Hotel Points (1 Travel Credit = Re. 1) or for Travel Bookings (1 Travel Credit = ₹0.50)
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 Regalia Gold Credit CardMastercard · HDFC Bank | SBI Card MILESMastercard · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | American Express | HDFC Bank | SBI Card |
Card | |||
Annual fee | Lifetime FreeBest | ₹2,500 | ₹1,499 |
Joining fee | ₹0Best | ₹2,500 | ₹1,499 |
Reward rate | 10X on Amazon/Flipkart (cap); 5X on others | 4 reward points per ₹150 | 2 Travel Credits per ₹200 on travel spends; 1 Travel Credit per ₹200 on other spends; Travel Credits can be redeemed for Air Miles / Hotel Points (1 Travel Credit = Re. 1) or for Travel Bookings (1 Travel Credit = ₹0.50)Best |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | American Express | Mastercard | Mastercard |
Best for | online-shopping, lifetime-free | travel, lounge-access, premium | — |
Apply |
American Express
Lifetime free. 10X on Amazon/Flipkart (cap); 5X on others — Best for online-shopping · lifetime-free.
HDFC Bank
4 reward points per ₹150 — Best for travel · lounge-access · premium.
SBI Card
2 Travel Credits per ₹200 on travel spends; 1 Travel Credit per ₹200 on other… — Best for .
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