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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
Lifetime free. 5% cashback on Google Pay — Best for bill-payments · cashback.
Annual fee
Lifetime free
Visa · Niyo (DCB Bank)
Lifetime free. 2X rewards on forex spends — Best for travel · 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
Lifetime Free
Reward Rate
5% cashback on Google Pay
Welcome Benefit
—
Niyo (DCB Bank)
Annual Fee
Lifetime Free
Reward Rate
2X rewards on forex 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 | Axis Neo Credit CardVisa · Axis Bank | Niyo Global Credit CardVisa · Niyo (DCB Bank) |
|---|---|---|---|
Card image |  |  |  |
Provider | American Express | Axis Bank | Niyo (DCB Bank) |
Card | |||
Annual fee | ₹1,500 | Lifetime Free | Lifetime Free |
Joining fee | ₹0 | ₹0 | ₹0 |
Reward rate | 1000 bonus points on ₹20K monthly; 1X baseBest | 5% cashback on Google Pay | 2X rewards on forex spends |
Welcome benefit | — | — | — |
Lifetime free | No | Yes | Yes |
Network | American Express | Visa | Visa |
Best for | rewards, premium | bill-payments, cashback | travel, lifetime-free |
Apply |
American Express
1000 bonus points on ₹20K monthly; 1X base — Best for rewards · premium.
Axis Bank
Lifetime free. 5% cashback on Google Pay — Best for bill-payments · cashback.
Niyo (DCB Bank)
Lifetime free. 2X rewards on forex spends — Best for travel · lifetime-free.
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