We use analytics cookies to understand how visitors interact with our site. By continuing you agree to our use of cookies as described in our Privacy Policy.
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 · Bank of Baroda
4 reward points per ₹100 — Best for rewards · premium.
Annual fee
₹1,500
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
—
Bank of Baroda
Annual Fee
₹1,500
Reward Rate
4 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 | AU Zenith Credit CardVisa · AU Small Finance Bank | Bank of Baroda Prime Credit CardVisa · Bank of Baroda |
|---|---|---|---|
Card image |  |  |  |
Provider | American Express | AU Small Finance Bank | Bank of Baroda |
Card | |||
Annual fee | ₹5,000 | ₹3,000 | ₹1,500Best |
Joining fee | ₹5,000 | ₹3,000 | ₹1,500Best |
Reward rate | 5X on travel; 1X elsewhere | 5X on top merchants; 2X on others | 4 reward points per ₹100Best |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | American Express | Visa | Visa |
Best for | travel, premium | rewards, premium | rewards, premium |
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.
Bank of Baroda
4 reward points per ₹100 — Best for rewards · premium.
Related Guides
In-depth guides on rewards, lounge access, forex and more.
Related Comparisons
Compare any two cards side-by-side across 140+ issuers.
