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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
Visa · Axis Bank
12 EDGE Reward Points per Rs 200 on monthly spends up to Rs 1.5 lakh; 35 poin… — Best for .
Annual fee
₹30,000
Mastercard · HDFC Bank
5 reward points per ₹150 — Best for premium · lounge-access · travel.
Annual fee
₹12,500
American Express
Annual Fee
₹1,500
Reward Rate
1000 bonus points on ₹20K monthly; 1X base
Welcome Benefit
—
Axis Bank
Annual Fee
₹30,000
Reward Rate
12 EDGE Reward Points per Rs 200 on monthly spends up to Rs 1.5 lakh; 35 points per Rs 200 above Rs 1.5 lakh; enhanced ratio for Burgundy customers (4 partner points per 5 EDGE = 5:4 ratio)
Welcome Benefit
—
HDFC Bank
Annual Fee
₹12,500
Reward Rate
5 reward points per ₹150
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 Bank Burgundy Credit CardVisa · Axis Bank | HDFC Infinia Credit CardMastercard · HDFC Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | American Express | Axis Bank | HDFC Bank |
Card | |||
Annual fee | ₹1,500Best | ₹30,000 | ₹12,500 |
Joining fee | ₹0Best | ₹30,000 | ₹12,500 |
Reward rate | 1000 bonus points on ₹20K monthly; 1X baseBest | 12 EDGE Reward Points per Rs 200 on monthly spends up to Rs 1.5 lakh; 35 points per Rs 200 above Rs 1.5 lakh; enhanced ratio for Burgundy customers (4 partner points per 5 EDGE = 5:4 ratio) | 5 reward points per ₹150 |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | American Express | Visa | Mastercard |
Best for | rewards, premium | — | premium, lounge-access, travel |
Apply |
American Express
1000 bonus points on ₹20K monthly; 1X base — Best for rewards · premium.
Axis Bank
12 EDGE Reward Points per Rs 200 on monthly spends up to Rs 1.5 lakh; 35 poin… — Best for .
HDFC Bank
5 reward points per ₹150 — Best for premium · lounge-access · travel.
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