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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 · Bank of Baroda
5X rewards on travel & dining — Best for travel · dining.
Annual fee
₹750
Visa · IDFC FIRST Bank
Lifetime free. 3X rewards + wealth benefits — Best for lifetime-free · rewards · premium.
Annual fee
Lifetime free
American Express
Annual Fee
₹5,000
Reward Rate
5X rewards on travel; 1X on others
Welcome Benefit
—
Bank of Baroda
Annual Fee
₹750
Reward Rate
5X rewards on travel & dining
Welcome Benefit
—
IDFC FIRST Bank
Annual Fee
Lifetime Free
Reward Rate
3X rewards + wealth benefits
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 | Bank of Baroda Select Credit CardVisa · Bank of Baroda | IDFC FIRST Wealth Credit CardVisa · IDFC FIRST Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | American Express | Bank of Baroda | IDFC FIRST Bank |
Card | |||
Annual fee | ₹5,000 | ₹750 | Lifetime FreeBest |
Joining fee | ₹5,000 | ₹750 | ₹0Best |
Reward rate | 5X rewards on travel; 1X on othersBest | 5X rewards on travel & dining | 3X rewards + wealth benefits |
Welcome benefit | — | — | — |
Lifetime free | No | No | YesBest |
Network | American Express | Visa | Visa |
Best for | travel, premium, lounge-access | travel, dining | lifetime-free, rewards, premium |
Apply |
American Express
5X rewards on travel; 1X on others — Best for travel · premium · lounge-access.
Bank of Baroda
5X rewards on travel & dining — Best for travel · dining.
IDFC FIRST Bank
Lifetime free. 3X rewards + wealth benefits — Best for lifetime-free · rewards · premium.
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