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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
American Express · American Express
5X on travel; 1X elsewhere — Best for travel · premium.
Annual fee
₹5,000
American Express · American Express
Lifetime free. 10X on Amazon/Flipkart (cap); 5X on others — Best for online-shopping · lifetime-free.
Annual fee
Lifetime free
Visa · SBI Card
5 reward points per ₹100 — Best for premium · travel.
Annual fee
₹10,000
American Express
Annual Fee
₹5,000
Reward Rate
5X on travel; 1X elsewhere
Welcome Benefit
—
American Express
Annual Fee
Lifetime Free
Reward Rate
10X on Amazon/Flipkart (cap); 5X on others
Welcome Benefit
—
SBI Card
Annual Fee
₹10,000
Reward Rate
5 reward points 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 Platinum Reserve Credit CardAmerican Express · American Express | Amex SmartEarn Credit CardAmerican Express · American Express | SBI Card AurionVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | American Express | American Express | SBI Card |
Card | |||
Annual fee | ₹5,000 | Lifetime FreeBest | ₹10,000 |
Joining fee | ₹5,000 | ₹0Best | ₹10,000 |
Reward rate | 5X on travel; 1X elsewhere | 10X on Amazon/Flipkart (cap); 5X on others | 5 reward points per ₹100Best |
Welcome benefit | — | — | — |
Lifetime free | No | YesBest | No |
Network | American Express | American Express | Visa |
Best for | travel, premium | online-shopping, lifetime-free | premium, travel |
Apply |
American Express
5X on travel; 1X elsewhere — Best for travel · premium.
American Express
Lifetime free. 10X on Amazon/Flipkart (cap); 5X on others — Best for online-shopping · lifetime-free.
SBI Card
5 reward points per ₹100 — Best for premium · travel.
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