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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
Visa · IndusInd Bank
Lifetime free. 1 reward point per ₹100 — Best for lifetime-free · rewards.
Annual fee
Lifetime free
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
—
IndusInd Bank
Annual Fee
Lifetime Free
Reward Rate
1 reward point 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 | IndusInd Bank iconNIQ Credit CardVisa · IndusInd Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | American Express | ICICI Bank | IndusInd Bank |
Card | |||
Annual fee | Lifetime Free | ₹500 | Lifetime Free |
Joining fee | ₹0 | ₹500 | ₹0 |
Reward rate | 10X on Amazon/Flipkart (cap); 5X on others | 5X rewards on HPCL fuel spends | 1 reward point per ₹100Best |
Welcome benefit | — | — | — |
Lifetime free | Yes | No | Yes |
Network | American Express | Mastercard | Visa |
Best for | online-shopping, lifetime-free | fuel | lifetime-free, 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.
IndusInd Bank
Lifetime free. 1 reward point per ₹100 — Best for lifetime-free · rewards.
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