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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · AU Small Finance Bank
2X reward points on online spends; 1 RP per ₹100 on offline spends — Best for .
Annual fee
₹499
Visa · HSBC India
2X reward points per ₹100 — Best for rewards.
Annual fee
₹500
American Express · ICICI Bank
Lifetime free. 5% back for Prime on Amazon; 3% for non-Prime — Best for online-shopping · amazon · lifetime-free.
Annual fee
Lifetime free
AU Small Finance Bank
Annual Fee
₹499
Reward Rate
2X reward points on online spends; 1 RP per ₹100 on offline spends
Welcome Benefit
—
HSBC India
Annual Fee
₹500
Reward Rate
2X reward points per ₹100
Welcome Benefit
—
ICICI Bank
Annual Fee
Lifetime Free
Reward Rate
5% back for Prime on Amazon; 3% for non-Prime
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 | AU Altura+ Credit CardVisa · AU Small Finance Bank | HSBC Smart Value Credit CardVisa · HSBC India | ICICI Amazon Pay Credit CardAmerican Express · ICICI Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | AU Small Finance Bank | HSBC India | ICICI Bank |
Card | |||
Annual fee | ₹499 | ₹500 | Lifetime FreeBest |
Joining fee | ₹90 | ₹500 | ₹0Best |
Reward rate | 2X reward points on online spends; 1 RP per ₹100 on offline spendsBest | 2X reward points per ₹100 | 5% back for Prime on Amazon; 3% for non-Prime |
Welcome benefit | — | — | — |
Lifetime free | No | No | YesBest |
Network | Visa | Visa | American Express |
Best for | — | rewards | online-shopping, amazon, lifetime-free |
Apply |
AU Small Finance Bank
2X reward points on online spends; 1 RP per ₹100 on offline spends — Best for .
HSBC India
2X reward points per ₹100 — Best for rewards.
ICICI Bank
Lifetime free. 5% back for Prime on Amazon; 3% for non-Prime — Best for online-shopping · amazon · lifetime-free.
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