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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 · IDFC FIRST Bank
10X reward points on all spends — Best for rewards · premium.
Annual fee
₹5,000
Visa · Standard Chartered
5x on travel & dining; 1x others — Best for travel · dining · lounge-access.
Annual fee
₹5,000
American Express
Annual Fee
Lifetime Free
Reward Rate
10X on Amazon/Flipkart (cap); 5X on others
Welcome Benefit
—
IDFC FIRST Bank
Annual Fee
₹5,000
Reward Rate
10X reward points on all spends
Welcome Benefit
—
Standard Chartered
Annual Fee
₹5,000
Reward Rate
5x on travel & dining; 1x others
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 | IDFC FIRST Ashva Credit CardMastercard · IDFC FIRST Bank | Standard Chartered Ultimate Credit CardVisa · Standard Chartered |
|---|---|---|---|
Card image |  |  |  |
Provider | American Express | IDFC FIRST Bank | Standard Chartered |
Card | |||
Annual fee | Lifetime FreeBest | ₹5,000 | ₹5,000 |
Joining fee | ₹0Best | ₹5,000 | ₹5,000 |
Reward rate | 10X on Amazon/Flipkart (cap); 5X on othersBest | 10X reward points on all spends | 5x on travel & dining; 1x others |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | American Express | Mastercard | Visa |
Best for | online-shopping, lifetime-free | rewards, premium | travel, dining, lounge-access |
Apply |
American Express
Lifetime free. 10X on Amazon/Flipkart (cap); 5X on others — Best for online-shopping · lifetime-free.
IDFC FIRST Bank
10X reward points on all spends — Best for rewards · premium.
Standard Chartered
5x on travel & dining; 1x others — Best for travel · dining · lounge-access.
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