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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
Lifetime free. 5% cashback on Google Pay — Best for bill-payments · cashback.
Annual fee
Lifetime free
Visa · SBI Card
1-year FITPASS PRO + Apollo 24|7 e-Gift Voucher
Annual fee
₹1,499
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
—
SBI Card
Annual Fee
₹1,499
Reward Rate
5 reward points per ₹100 on Apollo 24|7, pharmacy, and hospital spends; 1 reward point per ₹100 elsewhere
Welcome Benefit
1-year FITPASS PRO membership + Apollo 24|7 e-Gift Voucher on joining
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 | Apollo SBI Card SELECTVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | American Express | Axis Bank | SBI Card |
Card | |||
Annual fee | ₹5,000 | Lifetime FreeBest | ₹1,499 |
Joining fee | ₹5,000 | ₹0Best | ₹1,499 |
Reward rate | 5X on travel; 1X elsewhere | 5% cashback on Google Pay | 5 reward points per ₹100 on Apollo 24|7, pharmacy, and hospital spends; 1 reward point per ₹100 elsewhereBest |
Welcome benefit | — | — | 1-year FITPASS PRO membership + Apollo 24|7 e-Gift Voucher on joining |
Lifetime free | No | YesBest | No |
Network | American Express | Visa | Visa |
Best for | travel, premium | bill-payments, cashback | healthcare, lifestyle |
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.
SBI Card
1-year FITPASS PRO + Apollo 24|7 e-Gift Voucher
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