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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 · Kotak Mahindra Bank
5 reward points per ₹100 — Best for premium · rewards.
Annual fee
₹10,000
Visa · OneCard
Lifetime free. 5X rewards on top categories — Best for lifetime-free · app-driven · rewards.
Annual fee
Lifetime free
American Express
Annual Fee
₹5,000
Reward Rate
5X on travel; 1X elsewhere
Welcome Benefit
—
Kotak Mahindra Bank
Annual Fee
₹10,000
Reward Rate
5 reward points per ₹100
Welcome Benefit
—
OneCard
Annual Fee
Lifetime Free
Reward Rate
5X rewards on top categories
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 | Kotak Zenith Credit CardVisa · Kotak Mahindra Bank | OneCard RuPay Credit CardVisa · OneCard |
|---|---|---|---|
Card image |  |  |  |
Provider | American Express | Kotak Mahindra Bank | OneCard |
Card | |||
Annual fee | ₹5,000 | ₹10,000 | Lifetime FreeBest |
Joining fee | ₹5,000 | ₹10,000 | ₹0Best |
Reward rate | 5X on travel; 1X elsewhere | 5 reward points per ₹100Best | 5X rewards on top categories |
Welcome benefit | — | — | — |
Lifetime free | No | No | YesBest |
Network | American Express | Visa | Visa |
Best for | travel, premium | premium, rewards | lifetime-free, app-driven, rewards, upi |
Apply |
American Express
5X on travel; 1X elsewhere — Best for travel · premium.
Kotak Mahindra Bank
5 reward points per ₹100 — Best for premium · rewards.
OneCard
Lifetime free. 5X rewards on top categories — Best for lifetime-free · app-driven · rewards.
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