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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 · HSBC India
3 reward points per ₹100 — Best for premium · rewards.
Annual fee
₹5,000
Visa · HSBC India
5X on travel — Best for travel.
Annual fee
₹3,000
American Express
Annual Fee
Lifetime Free
Reward Rate
10X on Amazon/Flipkart (cap); 5X on others
Welcome Benefit
—
HSBC India
Annual Fee
₹5,000
Reward Rate
3 reward points per ₹100
Welcome Benefit
—
HSBC India
Annual Fee
₹3,000
Reward Rate
5X on travel
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 | HSBC Premier Credit CardVisa · HSBC India | HSBC TravelOne Credit CardVisa · HSBC India |
|---|---|---|---|
Card image |  |  |  |
Provider | American Express | HSBC India | HSBC India |
Card | |||
Annual fee | Lifetime FreeBest | ₹5,000 | ₹3,000 |
Joining fee | ₹0Best | ₹5,000 | ₹3,000 |
Reward rate | 10X on Amazon/Flipkart (cap); 5X on others | 3 reward points per ₹100Best | 5X on travel |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | American Express | Visa | Visa |
Best for | online-shopping, lifetime-free | premium, rewards | travel |
Apply |
American Express
Lifetime free. 10X on Amazon/Flipkart (cap); 5X on others — Best for online-shopping · lifetime-free.
HSBC India
3 reward points per ₹100 — Best for premium · rewards.
HSBC India
5X on travel — Best for travel.
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