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 · Axis Bank
Lifetime free. 5% cashback on Google Pay — Best for bill-payments · cashback.
Annual fee
Lifetime free
Visa · IDFC FIRST Bank
Lifetime free. 3X rewards + wealth benefits — Best for lifetime-free · rewards · premium.
Annual fee
Lifetime free
American Express
Annual Fee
₹5,000
Reward Rate
5X on travel; 1X elsewhere
Welcome Benefit
—
Axis Bank
Annual Fee
Lifetime Free
Reward Rate
5% cashback on Google Pay
Welcome Benefit
—
IDFC FIRST Bank
Annual Fee
Lifetime Free
Reward Rate
3X rewards + wealth benefits
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 Neo Credit CardVisa · Axis Bank | IDFC FIRST Wealth Credit CardVisa · IDFC FIRST Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | American Express | Axis Bank | IDFC FIRST Bank |
Card | |||
Annual fee | ₹5,000 | Lifetime Free | Lifetime Free |
Joining fee | ₹5,000 | ₹0 | ₹0 |
Reward rate | 5X on travel; 1X elsewhereBest | 5% cashback on Google Pay | 3X rewards + wealth benefits |
Welcome benefit | — | — | — |
Lifetime free | No | Yes | Yes |
Network | American Express | Visa | Visa |
Best for | travel, premium | bill-payments, cashback | lifetime-free, rewards, premium |
Apply |
American Express
5X on travel; 1X elsewhere — Best for travel · premium.
Axis Bank
Lifetime free. 5% cashback on Google Pay — Best for bill-payments · cashback.
IDFC FIRST Bank
Lifetime free. 3X rewards + wealth benefits — Best for lifetime-free · 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.
