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 · IDFC FIRST Bank
3X on online; 2X offline — Best for online-shopping · rewards.
Annual fee
₹1,000
Visa · Punjab National Bank
10X rewards on international travel — Best for travel.
Annual fee
₹2,000
American Express
Annual Fee
₹5,000
Reward Rate
5X on travel; 1X elsewhere
Welcome Benefit
—
IDFC FIRST Bank
Annual Fee
₹1,000
Reward Rate
3X on online; 2X offline
Welcome Benefit
—
Punjab National Bank
Annual Fee
₹2,000
Reward Rate
10X rewards on international travel
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 | IDFC FIRST Millennia Credit CardVisa · IDFC FIRST Bank | Punjab National Bank Global Credit CardVisa · Punjab National Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | American Express | IDFC FIRST Bank | Punjab National Bank |
Card | |||
Annual fee | ₹5,000 | ₹1,000Best | ₹2,000 |
Joining fee | ₹5,000 | ₹1,000Best | ₹2,000 |
Reward rate | 5X on travel; 1X elsewhereBest | 3X on online; 2X offline | 10X rewards on international travel |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | American Express | Visa | Visa |
Best for | travel, premium | online-shopping, rewards | travel |
Apply |
American Express
5X on travel; 1X elsewhere — Best for travel · premium.
IDFC FIRST Bank
3X on online; 2X offline — Best for online-shopping · rewards.
Punjab National Bank
10X rewards on international travel — Best for travel.
Related Guides
In-depth guides on rewards, lounge access, forex and more.
Related Comparisons
Compare any two cards side-by-side across 140+ issuers.
