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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 · Federal Bank
2 reward points per ₹100 — Best for rewards.
Annual fee
₹1,500
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
—
Federal Bank
Annual Fee
₹1,500
Reward Rate
2 reward points per ₹100
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 | Federal Bank Visa Signature Credit CardVisa · Federal Bank | SBI SimplyCLICK Credit CardVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | American Express | Federal Bank | SBI Card |
Card | |||
Annual fee | Lifetime FreeBest | ₹1,500 | ₹499 |
Joining fee | ₹0Best | ₹1,500 | ₹499 |
Reward rate | 1000 bonus points on ₹20K monthlyBest | 2 reward points per ₹100 | 10X rewards on partner online brands; 1X on others |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | American Express | Visa | Visa |
Best for | rewards, lifetime-free | rewards | online-shopping, rewards |
Apply |
American Express
Lifetime free. 1000 bonus points on ₹20K monthly — Best for rewards · lifetime-free.
Federal Bank
2 reward points per ₹100 — Best for rewards.
SBI Card
10X rewards on partner online brands; 1X on others — Best for online-shopping · rewards.
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