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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 · ICICI Bank
5X rewards on HPCL fuel spends — Best for fuel.
Annual fee
₹500
American Express · ICICI Bank
4 reward points per ₹100 — Best for premium · travel · rewards.
Annual fee
₹6,500
American Express
Annual Fee
Lifetime Free
Reward Rate
10X on Amazon/Flipkart (cap); 5X on others
Welcome Benefit
—
ICICI Bank
Annual Fee
₹500
Reward Rate
5X rewards on HPCL fuel spends
Welcome Benefit
—
ICICI Bank
Annual Fee
₹6,500
Reward Rate
4 reward points per ₹100
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 | ICICI HPCL Coral Credit CardMastercard · ICICI Bank | ICICI Sapphiro Credit CardAmerican Express · ICICI Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | American Express | ICICI Bank | ICICI Bank |
Card | |||
Annual fee | Lifetime FreeBest | ₹500 | ₹6,500 |
Joining fee | ₹0Best | ₹500 | ₹6,500 |
Reward rate | 10X on Amazon/Flipkart (cap); 5X on others | 5X rewards on HPCL fuel spends | 4 reward points per ₹100Best |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | American Express | Mastercard | American Express |
Best for | online-shopping, lifetime-free | fuel | premium, travel, rewards |
Apply |
American Express
Lifetime free. 10X on Amazon/Flipkart (cap); 5X on others — Best for online-shopping · lifetime-free.
ICICI Bank
5X rewards on HPCL fuel spends — Best for fuel.
ICICI Bank
4 reward points per ₹100 — Best for premium · travel · rewards.
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