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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 · HDFC Bank
5 reward points per ₹150 — Best for online-shopping · lifestyle.
Annual fee
₹500
Mastercard · IDFC FIRST Bank
10X reward points on all spends — Best for rewards · premium.
Annual fee
₹5,000
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
5 reward points per ₹150
Welcome Benefit
—
IDFC FIRST Bank
Annual Fee
₹5,000
Reward Rate
10X reward points on all 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 Bank Shopper's Stop Credit CardVisa · HDFC Bank | IDFC FIRST Ashva Credit CardMastercard · IDFC FIRST Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | American Express | HDFC Bank | IDFC FIRST Bank |
Card | |||
Annual fee | Lifetime FreeBest | ₹500 | ₹5,000 |
Joining fee | ₹0Best | ₹500 | ₹5,000 |
Reward rate | 10X on Amazon/Flipkart (cap); 5X on others | 5 reward points per ₹150Best | 10X reward points on all spends |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | American Express | Visa | Mastercard |
Best for | online-shopping, lifetime-free | online-shopping, lifestyle | 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 online-shopping · lifestyle.
IDFC FIRST Bank
10X reward points on all spends — Best for rewards · premium.
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