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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 · Uni (SBM Bank)
Lifetime free. 2X rewards on UPI — Best for upi · cashback · lifetime-free.
Annual fee
Lifetime free
Visa · Yes Bank
Lifetime free. 2X reward points 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
—
Uni (SBM Bank)
Annual Fee
Lifetime Free
Reward Rate
2X rewards on UPI
Welcome Benefit
—
Yes Bank
Annual Fee
Lifetime Free
Reward Rate
2X reward points 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 | Uni Pay Credit CardVisa · Uni (SBM Bank) | Yes Bank YES Prosperity Credit CardVisa · Yes Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | American Express | Uni (SBM Bank) | Yes Bank |
Card | |||
Annual fee | ₹5,000 | Lifetime Free | Lifetime Free |
Joining fee | ₹5,000 | ₹0 | ₹0 |
Reward rate | 5X rewards on travel; 1X on othersBest | 2X rewards on UPI | 2X reward points on all spends |
Welcome benefit | — | — | — |
Lifetime free | No | Yes | Yes |
Network | American Express | Visa | Visa |
Best for | travel, premium, lounge-access | upi, cashback, lifetime-free | rewards, lifetime-free |
Apply |
American Express
5X rewards on travel; 1X on others — Best for travel · premium · lounge-access.
Uni (SBM Bank)
Lifetime free. 2X rewards on UPI — Best for upi · cashback · lifetime-free.
Yes Bank
Lifetime free. 2X reward points on all spends — Best for rewards · lifetime-free.
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