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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 · Uni (SBM Bank)
Lifetime free. 1.5X rewards on all spends — Best for rewards · lifetime-free.
Annual fee
Lifetime free
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
—
Uni (SBM Bank)
Annual Fee
Lifetime Free
Reward Rate
1.5X rewards on all spends
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 | Uni Credit CardVisa · Uni (SBM Bank) |
|---|---|---|---|
Card image |  |  |  |
Provider | American Express | IDFC FIRST Bank | Uni (SBM Bank) |
Card | |||
Annual fee | ₹5,000 | ₹1,000 | Lifetime FreeBest |
Joining fee | ₹5,000 | ₹1,000 | ₹0Best |
Reward rate | 5X rewards on travel; 1X on othersBest | 3X on online; 2X offline | 1.5X rewards on all spends |
Welcome benefit | — | — | — |
Lifetime free | No | No | YesBest |
Network | American Express | Visa | Visa |
Best for | travel, premium, lounge-access | online-shopping, rewards | rewards, lifetime-free |
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.
Uni (SBM Bank)
Lifetime free. 1.5X rewards on all spends — Best for rewards · lifetime-free.
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