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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
Mastercard · SBI Card
3 reward points per ₹100 — Best for rewards · premium.
Annual fee
₹4,999
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
—
SBI Card
Annual Fee
₹4,999
Reward Rate
3 reward points per ₹100
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 | SBI Card SignatureMastercard · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | American Express | AU Small Finance Bank | SBI Card |
Card | |||
Annual fee | Lifetime Free | Lifetime Free | ₹4,999 |
Joining fee | ₹0 | ₹0 | ₹4,999 |
Reward rate | 1000 bonus points on ₹20K monthlyBest | 5X on top merchants; 2X on others | 3 reward points per ₹100 |
Welcome benefit | — | — | — |
Lifetime free | Yes | Yes | No |
Network | American Express | Visa | Mastercard |
Best for | rewards, lifetime-free | lifetime-free, rewards | rewards, premium |
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.
SBI Card
3 reward points per ₹100 — Best for rewards · premium.
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