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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
12000 bonus points on ₹1L monthly; 5X on travel — Best for premium · travel · lounge-access.
Annual fee
₹12,500
Visa · Federal Bank
Lifetime free. 1 reward point per ₹100 — Best for lifetime-free · rewards.
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
₹12,500
Reward Rate
12000 bonus points on ₹1L monthly; 5X on travel
Welcome Benefit
—
Federal Bank
Annual Fee
Lifetime Free
Reward Rate
1 reward point per ₹100
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 Magnus Credit CardVisa · Axis Bank | Federal Bank Celebration Credit CardVisa · Federal Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | American Express | Axis Bank | Federal Bank |
Card | |||
Annual fee | ₹1,500 | ₹12,500 | Lifetime FreeBest |
Joining fee | ₹0 | ₹12,500 | ₹0 |
Reward rate | 1000 bonus points on ₹20K monthly; 1X base | 12000 bonus points on ₹1L monthly; 5X on travelBest | 1 reward point per ₹100 |
Welcome benefit | — | — | — |
Lifetime free | No | No | YesBest |
Network | American Express | Visa | Visa |
Best for | rewards, premium | premium, travel, lounge-access | lifetime-free, rewards |
Apply |
American Express
1000 bonus points on ₹20K monthly; 1X base — Best for rewards · premium.
Axis Bank
12000 bonus points on ₹1L monthly; 5X on travel — Best for premium · travel · lounge-access.
Federal Bank
Lifetime free. 1 reward point per ₹100 — Best for lifetime-free · rewards.
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