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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
Visa · AU Small Finance Bank
Lifetime free. 5X on top merchants; 2X on others — Best for lifetime-free · rewards.
Annual fee
Lifetime free
Visa · Axis Bank
10% cashback on Swiggy — Best for food-delivery · cashback.
Annual fee
₹500
American Express
Annual Fee
Lifetime Free
Reward Rate
1000 bonus points on ₹20K monthly
Welcome Benefit
—
AU Small Finance Bank
Annual Fee
Lifetime Free
Reward Rate
5X on top merchants; 2X on others
Welcome Benefit
—
Axis Bank
Annual Fee
₹500
Reward Rate
10% cashback on Swiggy
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 LifeTime Free Credit CardVisa · AU Small Finance Bank | Axis Swiggy Credit CardVisa · Axis Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | American Express | AU Small Finance Bank | Axis Bank |
Card | |||
Annual fee | Lifetime Free | Lifetime Free | ₹500 |
Joining fee | ₹0 | ₹0 | ₹500 |
Reward rate | 1000 bonus points on ₹20K monthlyBest | 5X on top merchants; 2X on others | 10% cashback on Swiggy |
Welcome benefit | — | — | — |
Lifetime free | Yes | Yes | No |
Network | American Express | Visa | Visa |
Best for | rewards, lifetime-free | lifetime-free, rewards | food-delivery, cashback |
Apply |
American Express
Lifetime free. 1000 bonus points on ₹20K monthly — Best for rewards · lifetime-free.
AU Small Finance Bank
Lifetime free. 5X on top merchants; 2X on others — Best for lifetime-free · rewards.
Axis Bank
10% cashback on Swiggy — Best for food-delivery · cashback.
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