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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 · Canara Bank
Lifetime free. 2 Reward Points for every ₹100 spent on PoS and e-commerce transactions — Best for .
Annual fee
Lifetime free
Visa · IDFC FIRST Bank
Lifetime free. 3X on top categories; 1X others — Best for lifetime-free · rewards · lounge-access.
Annual fee
Lifetime free
American Express
Annual Fee
₹1,500
Reward Rate
1000 bonus points on ₹20K monthly; 1X base
Welcome Benefit
—
Canara Bank
Annual Fee
Lifetime Free
Reward Rate
2 Reward Points for every ₹100 spent on PoS and e-commerce transactions
Welcome Benefit
—
IDFC FIRST Bank
Annual Fee
Lifetime Free
Reward Rate
3X on top categories; 1X others
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 | Canara Bank Visa Signature Credit CardVisa · Canara Bank | IDFC FIRST Select Credit CardVisa · IDFC FIRST Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | American Express | Canara Bank | IDFC FIRST 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 | 2 Reward Points for every ₹100 spent on PoS and e-commerce transactions | 3X on top categories; 1X others |
Welcome benefit | — | — | — |
Lifetime free | No | Yes | Yes |
Network | American Express | Visa | Visa |
Best for | rewards, premium | — | lifetime-free, rewards, lounge-access |
Apply |
American Express
1000 bonus points on ₹20K monthly; 1X base — Best for rewards · premium.
Canara Bank
Lifetime free. 2 Reward Points for every ₹100 spent on PoS and e-commerce transactions — Best for .
IDFC FIRST Bank
Lifetime free. 3X on top categories; 1X others — Best for lifetime-free · rewards · lounge-access.
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