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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 rewards on travel; 1X on others — Best for travel · premium · lounge-access.
Annual fee
₹5,000
Visa · AU Small Finance Bank
2X reward points on online spends; 1 RP per ₹100 on offline spends — Best for .
Annual fee
₹499
Visa · Bank of Baroda
Lifetime free. 2 Reward Points per ₹100 on all eligible categories (no accelerated category … — Best for .
Annual fee
Lifetime free
American Express
Annual Fee
₹5,000
Reward Rate
5X rewards on travel; 1X on others
Welcome Benefit
—
AU Small Finance Bank
Annual Fee
₹499
Reward Rate
2X reward points on online spends; 1 RP per ₹100 on offline spends
Welcome Benefit
—
Bank of Baroda
Annual Fee
Lifetime Free
Reward Rate
2 Reward Points per ₹100 on all eligible categories (no accelerated category on this card)
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 Travel Credit CardAmerican Express · American Express | AU Altura+ Credit CardVisa · AU Small Finance Bank | BOBCARD Prime Credit Card (mapped from requested 'bob-prime-novus')Visa · Bank of Baroda |
|---|---|---|---|
Card image |  |  |  |
Provider | American Express | AU Small Finance Bank | Bank of Baroda |
Card | |||
Annual fee | ₹5,000 | ₹499 | Lifetime FreeBest |
Joining fee | ₹5,000 | ₹90 | ₹0Best |
Reward rate | 5X rewards on travel; 1X on others | 2X reward points on online spends; 1 RP per ₹100 on offline spendsBest | 2 Reward Points per ₹100 on all eligible categories (no accelerated category on this card) |
Welcome benefit | — | — | — |
Lifetime free | No | No | YesBest |
Network | American Express | Visa | Visa |
Best for | travel, premium, lounge-access | — | — |
Apply |
American Express
5X rewards on travel; 1X on others — Best for travel · premium · lounge-access.
AU Small Finance Bank
2X reward points on online spends; 1 RP per ₹100 on offline spends — Best for .
Bank of Baroda
Lifetime free. 2 Reward Points per ₹100 on all eligible categories (no accelerated category … — Best for .
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