We use analytics cookies to understand how visitors interact with our site. By continuing you agree to our use of cookies as described in our Privacy Policy.
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
Visa · AU Small Finance Bank
2X reward points on online spends; 1 RP per ₹100 on offline spends — Best for .
Annual fee
₹499
Visa · ICICI Bank
Lifetime free. 5% NeuCoins on Tata spends — Best for online-shopping · lifetime-free.
Annual fee
Lifetime free
American Express
Annual Fee
Lifetime Free
Reward Rate
1000 bonus points on ₹20K monthly
Welcome Benefit
—
AU Small Finance Bank
Annual Fee
₹499
Reward Rate
2X reward points on online spends; 1 RP per ₹100 on offline spends
Welcome Benefit
—
ICICI Bank
Annual Fee
Lifetime Free
Reward Rate
5% NeuCoins on Tata 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 | AU Altura+ Credit CardVisa · AU Small Finance Bank | ICICI Bank Tata Neu Credit CardVisa · ICICI Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | American Express | AU Small Finance Bank | ICICI Bank |
Card | |||
Annual fee | Lifetime Free | ₹499 | Lifetime Free |
Joining fee | ₹0 | ₹90 | ₹0 |
Reward rate | 1000 bonus points on ₹20K monthlyBest | 2X reward points on online spends; 1 RP per ₹100 on offline spends | 5% NeuCoins on Tata spends |
Welcome benefit | — | — | — |
Lifetime free | Yes | No | Yes |
Network | American Express | Visa | Visa |
Best for | rewards, lifetime-free | — | online-shopping, lifetime-free |
Apply |
American Express
Lifetime free. 1000 bonus points on ₹20K monthly — Best for rewards · lifetime-free.
AU Small Finance Bank
2X reward points on online spends; 1 RP per ₹100 on offline spends — Best for .
ICICI Bank
Lifetime free. 5% NeuCoins on Tata spends — Best for online-shopping · lifetime-free.
Related Guides
In-depth guides on rewards, lounge access, forex and more.
Related Comparisons
Compare any two cards side-by-side across 140+ issuers.
