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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 · OneCard
Lifetime free. 5X rewards on top categories — Best for lifetime-free · app-driven · rewards.
Annual fee
Lifetime free
Mastercard · SBI Card
5 reward points per ₹100 — Best for rewards · premium.
Annual fee
₹2,999
American Express
Annual Fee
₹5,000
Reward Rate
5X rewards on travel; 1X on others
Welcome Benefit
—
OneCard
Annual Fee
Lifetime Free
Reward Rate
5X rewards on top categories
Welcome Benefit
—
SBI Card
Annual Fee
₹2,999
Reward Rate
5 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 | OneCard RuPay Credit CardVisa · OneCard | SBI Card PRIMEMastercard · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | American Express | OneCard | SBI Card |
Card | |||
Annual fee | ₹5,000 | Lifetime FreeBest | ₹2,999 |
Joining fee | ₹5,000 | ₹0Best | ₹2,999 |
Reward rate | 5X rewards on travel; 1X on others | 5X rewards on top categories | 5 reward points per ₹100Best |
Welcome benefit | — | — | — |
Lifetime free | No | YesBest | No |
Network | American Express | Visa | Mastercard |
Best for | travel, premium, lounge-access | lifetime-free, app-driven, rewards, upi | rewards, premium |
Apply |
American Express
5X rewards on travel; 1X on others — Best for travel · premium · lounge-access.
OneCard
Lifetime free. 5X rewards on top categories — Best for lifetime-free · app-driven · rewards.
SBI Card
5 reward points per ₹100 — Best for rewards · premium.
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