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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
American Express · American Express
1000 bonus points on ₹20K monthly; 1X base — Best for rewards · premium.
Annual fee
₹1,500
American Express · American Express
5X on travel; 1X elsewhere — Best for travel · premium.
Annual fee
₹5,000
Visa · IDFC FIRST Bank
3X on online; 2X offline — Best for online-shopping · rewards.
Annual fee
₹1,000
American Express
Annual Fee
₹1,500
Reward Rate
1000 bonus points on ₹20K monthly; 1X base
Welcome Benefit
—
American Express
Annual Fee
₹5,000
Reward Rate
5X on travel; 1X elsewhere
Welcome Benefit
—
IDFC FIRST Bank
Annual Fee
₹1,000
Reward Rate
3X on online; 2X offline
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 Membership Rewards Credit CardAmerican Express · American Express | Amex Platinum Reserve Credit CardAmerican Express · American Express | IDFC FIRST Millennia Credit CardVisa · IDFC FIRST Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | American Express | American Express | IDFC FIRST Bank |
Card | |||
Annual fee | ₹1,500 | ₹5,000 | ₹1,000Best |
Joining fee | ₹0Best | ₹5,000 | ₹1,000 |
Reward rate | 1000 bonus points on ₹20K monthly; 1X baseBest | 5X on travel; 1X elsewhere | 3X on online; 2X offline |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | American Express | American Express | Visa |
Best for | rewards, premium | travel, premium | online-shopping, rewards |
Apply |
American Express
1000 bonus points on ₹20K monthly; 1X base — Best for rewards · premium.
American Express
5X on travel; 1X elsewhere — Best for travel · premium.
IDFC FIRST Bank
3X on online; 2X offline — Best for online-shopping · rewards.
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