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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
Visa · AU Small Finance Bank
5X on top merchants; 2X on others — Best for rewards · premium.
Annual fee
₹3,000
Visa · Axis Bank
5% on Flipkart/Myntra; 1.5% on others — Best for flipkart · online-shopping.
Annual fee
₹500
American Express
Annual Fee
₹5,000
Reward Rate
5X on travel; 1X elsewhere
Welcome Benefit
—
AU Small Finance Bank
Annual Fee
₹3,000
Reward Rate
5X on top merchants; 2X on others
Welcome Benefit
—
Axis Bank
Annual Fee
₹500
Reward Rate
5% on Flipkart/Myntra; 1.5% on 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 Platinum Reserve Credit CardAmerican Express · American Express | AU Zenith Credit CardVisa · AU Small Finance Bank | Axis Flipkart Credit CardVisa · Axis Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | American Express | AU Small Finance Bank | Axis Bank |
Card | |||
Annual fee | ₹5,000 | ₹3,000 | ₹500Best |
Joining fee | ₹5,000 | ₹3,000 | ₹500Best |
Reward rate | 5X on travel; 1X elsewhere | 5X on top merchants; 2X on othersBest | 5% on Flipkart/Myntra; 1.5% on others |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | American Express | Visa | Visa |
Best for | travel, premium | rewards, premium | flipkart, online-shopping |
Apply |
American Express
5X on travel; 1X elsewhere — Best for travel · premium.
AU Small Finance Bank
5X on top merchants; 2X on others — Best for rewards · premium.
Axis Bank
5% on Flipkart/Myntra; 1.5% on others — Best for flipkart · online-shopping.
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