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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. 1000 bonus points on ₹20K monthly — Best for rewards · lifetime-free.
Annual fee
Lifetime free
American Express · American Express
1000 bonus points on ₹20K monthly; 1X base — Best for rewards · premium.
Annual fee
₹1,500
Visa · Kotak Mahindra Bank
Lifetime free. 2X rewards on UPI spends — Best for rewards · upi · lifetime-free.
Annual fee
Lifetime free
American Express
Annual Fee
Lifetime Free
Reward Rate
1000 bonus points on ₹20K monthly
Welcome Benefit
—
American Express
Annual Fee
₹1,500
Reward Rate
1000 bonus points on ₹20K monthly; 1X base
Welcome Benefit
—
Kotak Mahindra Bank
Annual Fee
Lifetime Free
Reward Rate
2X rewards on UPI spends
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 Gold Credit CardAmerican Express · American Express | Amex Membership Rewards Credit CardAmerican Express · American Express | Kotak RuPay Credit CardVisa · Kotak Mahindra Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | American Express | American Express | Kotak Mahindra Bank |
Card | |||
Annual fee | Lifetime Free | ₹1,500 | Lifetime Free |
Joining fee | ₹0 | ₹0 | ₹0 |
Reward rate | 1000 bonus points on ₹20K monthly | 1000 bonus points on ₹20K monthly; 1X baseBest | 2X rewards on UPI spends |
Welcome benefit | — | — | — |
Lifetime free | Yes | No | Yes |
Network | American Express | American Express | Visa |
Best for | rewards, lifetime-free | rewards, premium | rewards, upi, lifetime-free |
Apply |
American Express
Lifetime free. 1000 bonus points on ₹20K monthly — Best for rewards · lifetime-free.
American Express
1000 bonus points on ₹20K monthly; 1X base — Best for rewards · premium.
Kotak Mahindra Bank
Lifetime free. 2X rewards on UPI spends — Best for rewards · upi · lifetime-free.
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