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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 · Yes Bank
3X rewards on entertainment & dining — Best for entertainment · dining.
Annual fee
₹500
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
—
Yes Bank
Annual Fee
₹500
Reward Rate
3X rewards on entertainment & dining
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 | Yes Bank Marvel Plus Credit CardMastercard · Yes Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | American Express | HDFC Bank | Yes Bank |
Card | |||
Annual fee | Lifetime FreeBest | ₹2,500 | ₹500 |
Joining fee | ₹0Best | ₹2,500 | ₹500 |
Reward rate | 10X on Amazon/Flipkart (cap); 5X on others | 4 reward points per ₹150Best | 3X rewards on entertainment & dining |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | American Express | Mastercard | Mastercard |
Best for | online-shopping, lifetime-free | travel, lounge-access, premium | entertainment, dining |
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.
Yes Bank
3X rewards on entertainment & dining — Best for entertainment · dining.
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