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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 · Axis Bank
5X rewards on dining & lifestyle — Best for dining · lifestyle.
Annual fee
₹1,500
Visa · Uni (SBM Bank)
Lifetime free. 1.5X rewards on all spends — Best for rewards · lifetime-free.
Annual fee
Lifetime free
American Express
Annual Fee
Lifetime Free
Reward Rate
1000 bonus points on ₹20K monthly
Welcome Benefit
—
Axis Bank
Annual Fee
₹1,500
Reward Rate
5X rewards on dining & lifestyle
Welcome Benefit
—
Uni (SBM Bank)
Annual Fee
Lifetime Free
Reward Rate
1.5X rewards on all 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 | Axis Pride Credit CardVisa · Axis Bank | Uni Credit CardVisa · Uni (SBM Bank) |
|---|---|---|---|
Card image |  |  |  |
Provider | American Express | Axis Bank | Uni (SBM Bank) |
Card | |||
Annual fee | Lifetime Free | ₹1,500 | Lifetime Free |
Joining fee | ₹0 | ₹1,500 | ₹0 |
Reward rate | 1000 bonus points on ₹20K monthlyBest | 5X rewards on dining & lifestyle | 1.5X rewards on all spends |
Welcome benefit | — | — | — |
Lifetime free | Yes | No | Yes |
Network | American Express | Visa | Visa |
Best for | rewards, lifetime-free | dining, lifestyle | rewards, lifetime-free |
Apply |
American Express
Lifetime free. 1000 bonus points on ₹20K monthly — Best for rewards · lifetime-free.
Axis Bank
5X rewards on dining & lifestyle — Best for dining · lifestyle.
Uni (SBM Bank)
Lifetime free. 1.5X rewards on all spends — Best for rewards · lifetime-free.
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