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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
RuPay · Axis Bank
2X rewards on UPI spends — Best for rewards · upi.
Annual fee
₹500
Visa · SBI Card
10X rewards on partner online brands; 1X on others — Best for online-shopping · rewards.
Annual fee
₹499
American Express
Annual Fee
Lifetime Free
Reward Rate
1000 bonus points on ₹20K monthly
Welcome Benefit
—
Axis Bank
Annual Fee
₹500
Reward Rate
2X rewards on UPI spends
Welcome Benefit
—
SBI Card
Annual Fee
₹499
Reward Rate
10X rewards on partner online brands; 1X on others
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 Bank RuPay Credit CardRuPay · Axis Bank | SBI SimplyCLICK Credit CardVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | American Express | Axis Bank | SBI Card |
Card | |||
Annual fee | Lifetime FreeBest | ₹500 | ₹499 |
Joining fee | ₹0Best | ₹500 | ₹499 |
Reward rate | 1000 bonus points on ₹20K monthlyBest | 2X rewards on UPI spends | 10X rewards on partner online brands; 1X on others |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | American Express | RuPay | Visa |
Best for | rewards, lifetime-free | rewards, upi | online-shopping, rewards |
Apply |
American Express
Lifetime free. 1000 bonus points on ₹20K monthly — Best for rewards · lifetime-free.
Axis Bank
2X rewards on UPI spends — Best for rewards · upi.
SBI Card
10X rewards on partner online brands; 1X on others — Best for online-shopping · rewards.
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