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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 · Axis Bank
15 EDGE Reward Points per Rs 200 (effective 6% back via 5:4 redemption) — Best for .
Annual fee
₹50,000
Visa · Bank of Baroda
Lifetime free. 1 reward point per ₹100 — Best for lifetime-free.
Annual fee
Lifetime free
American Express
Annual Fee
₹5,000
Reward Rate
5X rewards on travel; 1X on others
Welcome Benefit
—
Axis Bank
Annual Fee
₹50,000
Reward Rate
15 EDGE Reward Points per Rs 200 (effective 6% back via 5:4 redemption)
Welcome Benefit
—
Bank of Baroda
Annual Fee
Lifetime Free
Reward Rate
1 reward point 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 Travel Credit CardAmerican Express · American Express | Axis Bank Burgundy Private Credit Card (The One Card)Visa · Axis Bank | Bank of Baroda Empower Credit CardVisa · Bank of Baroda |
|---|---|---|---|
Card image |  |  |  |
Provider | American Express | Axis Bank | Bank of Baroda |
Card | |||
Annual fee | ₹5,000 | ₹50,000 | Lifetime FreeBest |
Joining fee | ₹5,000 | ₹50,000 | ₹0Best |
Reward rate | 5X rewards on travel; 1X on others | 15 EDGE Reward Points per Rs 200 (effective 6% back via 5:4 redemption)Best | 1 reward point per ₹100 |
Welcome benefit | — | — | — |
Lifetime free | No | No | YesBest |
Network | American Express | Visa | Visa |
Best for | travel, premium, lounge-access | — | lifetime-free |
Apply |
American Express
5X rewards on travel; 1X on others — Best for travel · premium · lounge-access.
Axis Bank
15 EDGE Reward Points per Rs 200 (effective 6% back via 5:4 redemption) — Best for .
Bank of Baroda
Lifetime free. 1 reward point per ₹100 — Best for lifetime-free.
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