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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
5X on travel; 1X elsewhere — Best for travel · premium.
Annual fee
₹5,000
Visa · IDFC FIRST Bank
Lifetime free. 3X rewards + wealth benefits — Best for lifetime-free · rewards · premium.
Annual fee
Lifetime free
American Express
Annual Fee
Lifetime Free
Reward Rate
1000 bonus points on ₹20K monthly
Welcome Benefit
—
American Express
Annual Fee
₹5,000
Reward Rate
5X on travel; 1X elsewhere
Welcome Benefit
—
IDFC FIRST Bank
Annual Fee
Lifetime Free
Reward Rate
3X rewards + wealth benefits
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 Platinum Reserve Credit CardAmerican Express · American Express | IDFC FIRST Wealth Credit CardVisa · IDFC FIRST Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | American Express | American Express | IDFC FIRST Bank |
Card | |||
Annual fee | Lifetime Free | ₹5,000 | Lifetime Free |
Joining fee | ₹0 | ₹5,000 | ₹0 |
Reward rate | 1000 bonus points on ₹20K monthlyBest | 5X on travel; 1X elsewhere | 3X rewards + wealth benefits |
Welcome benefit | — | — | — |
Lifetime free | Yes | No | Yes |
Network | American Express | American Express | Visa |
Best for | rewards, lifetime-free | travel, premium | lifetime-free, rewards, premium |
Apply |
American Express
Lifetime free. 1000 bonus points on ₹20K monthly — Best for rewards · lifetime-free.
American Express
5X on travel; 1X elsewhere — Best for travel · premium.
IDFC FIRST Bank
Lifetime free. 3X rewards + wealth benefits — Best for lifetime-free · rewards · premium.
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