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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 · IDFC FIRST Bank
Lifetime free. 3X on top categories; 1X others — Best for lifetime-free · rewards · lounge-access.
Annual fee
Lifetime free
Visa · Punjab National Bank
4 reward points per ₹100 — Best for rewards.
Annual fee
₹500
American Express
Annual Fee
₹5,000
Reward Rate
5X on travel; 1X elsewhere
Welcome Benefit
—
IDFC FIRST Bank
Annual Fee
Lifetime Free
Reward Rate
3X on top categories; 1X others
Welcome Benefit
—
Punjab National Bank
Annual Fee
₹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 | IDFC FIRST Select Credit CardVisa · IDFC FIRST Bank | Punjab National Bank Rakshak Credit CardVisa · Punjab National Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | American Express | IDFC FIRST Bank | Punjab National Bank |
Card | |||
Annual fee | ₹5,000 | Lifetime FreeBest | ₹500 |
Joining fee | ₹5,000 | ₹0Best | ₹500 |
Reward rate | 5X on travel; 1X elsewhere | 3X on top categories; 1X others | 4 reward points per ₹100Best |
Welcome benefit | — | — | — |
Lifetime free | No | YesBest | No |
Network | American Express | Visa | Visa |
Best for | travel, premium | lifetime-free, rewards, lounge-access | rewards |
Apply |
American Express
5X on travel; 1X elsewhere — Best for travel · premium.
IDFC FIRST Bank
Lifetime free. 3X on top categories; 1X others — Best for lifetime-free · rewards · lounge-access.
Punjab National Bank
4 reward points per ₹100 — Best for rewards.
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