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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 · Axis Bank
15 EDGE Reward Points per Rs 200 (effective 6% back via 5:4 redemption) — Best for .
Annual fee
₹50,000
Visa · Uni (SBM Bank)
Lifetime free. 2X rewards on UPI — Best for upi · cashback · lifetime-free.
Annual fee
Lifetime free
American Express
Annual Fee
₹5,000
Reward Rate
5X on travel; 1X elsewhere
Welcome Benefit
—
Axis Bank
Annual Fee
₹50,000
Reward Rate
15 EDGE Reward Points per Rs 200 (effective 6% back via 5:4 redemption)
Welcome Benefit
—
Uni (SBM Bank)
Annual Fee
Lifetime Free
Reward Rate
2X rewards on UPI
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 | Axis Bank Burgundy Private Credit Card (The One Card)Visa · Axis Bank | Uni Pay Credit CardVisa · Uni (SBM Bank) |
|---|---|---|---|
Card image |  |  |  |
Provider | American Express | Axis Bank | Uni (SBM Bank) |
Card | |||
Annual fee | ₹5,000 | ₹50,000 | Lifetime FreeBest |
Joining fee | ₹5,000 | ₹50,000 | ₹0Best |
Reward rate | 5X on travel; 1X elsewhere | 15 EDGE Reward Points per Rs 200 (effective 6% back via 5:4 redemption)Best | 2X rewards on UPI |
Welcome benefit | — | — | — |
Lifetime free | No | No | YesBest |
Network | American Express | Visa | Visa |
Best for | travel, premium | — | upi, cashback, lifetime-free |
Apply |
American Express
5X on travel; 1X elsewhere — Best for travel · premium.
Axis Bank
15 EDGE Reward Points per Rs 200 (effective 6% back via 5:4 redemption) — Best for .
Uni (SBM Bank)
Lifetime free. 2X rewards on UPI — Best for upi · cashback · lifetime-free.
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