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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
5X on top merchants; 2X on others — Best for rewards · premium.
Annual fee
₹3,000
Mastercard · Axis Bank
2X EDGE rewards on dining & movies — Best for dining · entertainment.
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
₹3,000
Reward Rate
5X on top merchants; 2X on others
Welcome Benefit
—
Axis Bank
Annual Fee
₹500
Reward Rate
2X EDGE rewards on dining & movies
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 Zenith Credit CardVisa · AU Small Finance Bank | Axis MyZone Credit CardMastercard · Axis Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | American Express | AU Small Finance Bank | Axis Bank |
Card | |||
Annual fee | Lifetime FreeBest | ₹3,000 | ₹500 |
Joining fee | ₹0Best | ₹3,000 | ₹500 |
Reward rate | 1000 bonus points on ₹20K monthlyBest | 5X on top merchants; 2X on others | 2X EDGE rewards on dining & movies |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | American Express | Visa | Mastercard |
Best for | rewards, lifetime-free | rewards, premium | dining, entertainment |
Apply |
American Express
Lifetime free. 1000 bonus points on ₹20K monthly — Best for rewards · lifetime-free.
AU Small Finance Bank
5X on top merchants; 2X on others — Best for rewards · premium.
Axis Bank
2X EDGE rewards on dining & movies — Best for dining · entertainment.
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