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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
Lifetime free. 10X on Amazon/Flipkart (cap); 5X on others — Best for online-shopping · lifetime-free.
Annual fee
Lifetime free
Visa · Kotak Mahindra Bank
4X rewards on selected spends — Best for rewards · premium.
Annual fee
₹3,000
American Express
Annual Fee
₹1,500
Reward Rate
1000 bonus points on ₹20K monthly; 1X base
Welcome Benefit
—
American Express
Annual Fee
Lifetime Free
Reward Rate
10X on Amazon/Flipkart (cap); 5X on others
Welcome Benefit
—
Kotak Mahindra Bank
Annual Fee
₹3,000
Reward Rate
4X rewards on selected 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 Membership Rewards Credit CardAmerican Express · American Express | Amex SmartEarn Credit CardAmerican Express · American Express | Kotak White Reserve Credit CardVisa · Kotak Mahindra Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | American Express | American Express | Kotak Mahindra Bank |
Card | |||
Annual fee | ₹1,500 | Lifetime FreeBest | ₹3,000 |
Joining fee | ₹0 | ₹0 | ₹3,000 |
Reward rate | 1000 bonus points on ₹20K monthly; 1X baseBest | 10X on Amazon/Flipkart (cap); 5X on others | 4X rewards on selected spends |
Welcome benefit | — | — | — |
Lifetime free | No | YesBest | No |
Network | American Express | American Express | Visa |
Best for | rewards, premium | online-shopping, lifetime-free | rewards, premium |
Apply |
American Express
1000 bonus points on ₹20K monthly; 1X base — Best for rewards · premium.
American Express
Lifetime free. 10X on Amazon/Flipkart (cap); 5X on others — Best for online-shopping · lifetime-free.
Kotak Mahindra Bank
4X rewards on selected spends — Best for rewards · premium.
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