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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
Up to 5 Reward Points per ₹100 on shopping, dining & travel — Best for .
Annual fee
₹2,000
RuPay · Federal Bank
Lifetime free. 2X rewards on UPI — Best for rewards · upi · lifetime-free.
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
₹2,000
Reward Rate
Up to 5 Reward Points per ₹100 on shopping, dining & travel
Welcome Benefit
—
Federal Bank
Annual Fee
Lifetime Free
Reward Rate
2X rewards on UPI
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 Vetta Credit CardVisa · AU Small Finance Bank | Federal Bank RuPay Credit CardRuPay · Federal Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | American Express | AU Small Finance Bank | Federal Bank |
Card | |||
Annual fee | ₹5,000 | ₹2,000 | Lifetime FreeBest |
Joining fee | ₹5,000 | ₹0 | ₹0 |
Reward rate | 5X rewards on travel; 1X on others | Up to 5 Reward Points per ₹100 on shopping, dining & travelBest | 2X rewards on UPI |
Welcome benefit | — | — | — |
Lifetime free | No | No | YesBest |
Network | American Express | Visa | RuPay |
Best for | travel, premium, lounge-access | — | rewards, upi, lifetime-free |
Apply |
American Express
5X rewards on travel; 1X on others — Best for travel · premium · lounge-access.
AU Small Finance Bank
Up to 5 Reward Points per ₹100 on shopping, dining & travel — Best for .
Federal Bank
Lifetime free. 2X rewards on UPI — Best for rewards · upi · lifetime-free.
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