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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
Mastercard · Axis Bank
5 EDGE Miles per ₹100 on travel via SmartHub; 2 elsewhere — 8+8 lounge visits per year
Annual fee
₹5,000
Visa · Standard Chartered
Lifetime free. 2X rewards on dining — Best for dining · lifetime-free.
Annual fee
Lifetime free
American Express
Annual Fee
₹1,500
Reward Rate
1000 bonus points on ₹20K monthly; 1X base
Welcome Benefit
—
Axis Bank
Annual Fee
₹5,000
Reward Rate
5 EDGE miles per ₹100 on travel; 2 elsewhere
Welcome Benefit
5,000 EDGE Miles on first txn within 30 days
Standard Chartered
Annual Fee
Lifetime Free
Reward Rate
2X rewards on dining
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 | Axis Atlas Credit CardMastercard · Axis Bank | Standard Chartered Smart Credit CardVisa · Standard Chartered |
|---|---|---|---|
Card image |  |  |  |
Provider | American Express | Axis Bank | Standard Chartered |
Card | |||
Annual fee | ₹1,500 | ₹5,000 | Lifetime FreeBest |
Joining fee | ₹0 | ₹5,000 | ₹0 |
Reward rate | 1000 bonus points on ₹20K monthly; 1X baseBest | 5 EDGE miles per ₹100 on travel; 2 elsewhere | 2X rewards on dining |
Welcome benefit | — | 5,000 EDGE Miles on first txn within 30 days | — |
Lifetime free | No | No | YesBest |
Network | American Express | Mastercard | Visa |
Best for | rewards, premium | travel, miles | dining, lifetime-free |
Apply |
American Express
1000 bonus points on ₹20K monthly; 1X base — Best for rewards · premium.
Axis Bank
5 EDGE Miles per ₹100 on travel via SmartHub; 2 elsewhere — 8+8 lounge visits per year
Standard Chartered
Lifetime free. 2X rewards on dining — Best for dining · lifetime-free.
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