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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 · IDFC FIRST Bank
3X on online; 2X offline — Best for online-shopping · rewards.
Annual fee
₹1,000
Visa · SBI Card
2 reward points per ₹100 — Best for rewards.
Annual fee
₹500
American Express
Annual Fee
₹5,000
Reward Rate
5X rewards on travel; 1X on others
Welcome Benefit
—
IDFC FIRST Bank
Annual Fee
₹1,000
Reward Rate
3X on online; 2X offline
Welcome Benefit
—
SBI Card
Annual Fee
₹500
Reward Rate
2 reward points 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 | IDFC FIRST Millennia Credit CardVisa · IDFC FIRST Bank | SBI ApL Platinum Credit CardVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | American Express | IDFC FIRST Bank | SBI Card |
Card | |||
Annual fee | ₹5,000 | ₹1,000 | ₹500Best |
Joining fee | ₹5,000 | ₹1,000 | ₹500Best |
Reward rate | 5X rewards on travel; 1X on others | 3X on online; 2X offline | 2 reward points per ₹100Best |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | American Express | Visa | Visa |
Best for | travel, premium, lounge-access | online-shopping, rewards | rewards |
Apply |
American Express
5X rewards on travel; 1X on others — Best for travel · premium · lounge-access.
IDFC FIRST Bank
3X on online; 2X offline — Best for online-shopping · rewards.
SBI Card
2 reward points per ₹100 — Best for rewards.
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