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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · HDFC Bank
2 cashback points per ₹150 (1 point = ₹0.25) — Best for cashback · fuel.
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
Visa · Standard Chartered
Lifetime free. 2X rewards on dining — Best for dining · lifetime-free.
Annual fee
Lifetime free
HDFC Bank
Annual Fee
₹500
Reward Rate
2 cashback points per ₹150 (1 point = ₹0.25)
Welcome Benefit
—
ICICI Bank
Annual Fee
Lifetime Free
Reward Rate
5% back for Prime on Amazon; 3% for non-Prime
Welcome Benefit
—
Standard Chartered
Annual Fee
Lifetime Free
Reward Rate
2X rewards on dining
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 | HDFC Bank MoneyBack Credit CardVisa · HDFC Bank | ICICI Amazon Pay Credit CardAmerican Express · ICICI Bank | Standard Chartered Smart Credit CardVisa · Standard Chartered |
|---|---|---|---|
Card image |  |  |  |
Provider | HDFC Bank | ICICI Bank | Standard Chartered |
Card | |||
Annual fee | ₹500 | Lifetime Free | Lifetime Free |
Joining fee | ₹500 | ₹0 | ₹0 |
Reward rate | 2 cashback points per ₹150 (1 point = ₹0.25)Best | 5% back for Prime on Amazon; 3% for non-Prime | 2X rewards on dining |
Welcome benefit | — | — | — |
Lifetime free | No | Yes | Yes |
Network | Visa | American Express | Visa |
Best for | cashback, fuel | online-shopping, amazon, lifetime-free | dining, lifetime-free |
Apply |
HDFC Bank
2 cashback points per ₹150 (1 point = ₹0.25) — Best for cashback · fuel.
ICICI Bank
Lifetime free. 5% back for Prime on Amazon; 3% for non-Prime — Best for online-shopping · amazon · lifetime-free.
Standard Chartered
Lifetime free. 2X rewards on dining — Best for dining · lifetime-free.
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