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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
Lifetime free. 10X on Amazon/Flipkart (cap); 5X on others — Best for online-shopping · lifetime-free.
Annual fee
Lifetime free
Visa · IDFC FIRST Bank
3X on online; 2X offline — Best for online-shopping · rewards.
Annual fee
₹1,000
American Express
Annual Fee
Lifetime Free
Reward Rate
1000 bonus points on ₹20K monthly
Welcome Benefit
—
American Express
Annual Fee
Lifetime Free
Reward Rate
10X on Amazon/Flipkart (cap); 5X on others
Welcome Benefit
—
IDFC FIRST Bank
Annual Fee
₹1,000
Reward Rate
3X on online; 2X offline
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 SmartEarn Credit CardAmerican Express · American Express | IDFC FIRST Millennia Credit CardVisa · IDFC FIRST Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | American Express | American Express | IDFC FIRST Bank |
Card | |||
Annual fee | Lifetime Free | Lifetime Free | ₹1,000 |
Joining fee | ₹0 | ₹0 | ₹1,000 |
Reward rate | 1000 bonus points on ₹20K monthlyBest | 10X on Amazon/Flipkart (cap); 5X on others | 3X on online; 2X offline |
Welcome benefit | — | — | — |
Lifetime free | Yes | Yes | No |
Network | American Express | American Express | Visa |
Best for | rewards, lifetime-free | online-shopping, lifetime-free | online-shopping, rewards |
Apply |
American Express
Lifetime free. 1000 bonus points on ₹20K monthly — Best for rewards · lifetime-free.
American Express
Lifetime free. 10X on Amazon/Flipkart (cap); 5X on others — Best for online-shopping · lifetime-free.
IDFC FIRST Bank
3X on online; 2X offline — Best for online-shopping · rewards.
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