We use analytics cookies to understand how visitors interact with our site. By continuing you agree to our use of cookies as described in our Privacy Policy.
3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
American Express · American Express
Lifetime free. 10X on Amazon/Flipkart (cap); 5X on others — Best for online-shopping · lifetime-free.
Annual fee
Lifetime free
Visa · AU Small Finance Bank
2X reward points on online spends; 1 RP per ₹100 on offline spends — Best for .
Annual fee
₹499
Visa · Bank of Baroda
5X rewards on travel & dining — Best for travel · dining.
Annual fee
₹750
American Express
Annual Fee
Lifetime Free
Reward Rate
10X on Amazon/Flipkart (cap); 5X on others
Welcome Benefit
—
AU Small Finance Bank
Annual Fee
₹499
Reward Rate
2X reward points on online spends; 1 RP per ₹100 on offline spends
Welcome Benefit
—
Bank of Baroda
Annual Fee
₹750
Reward Rate
5X rewards on travel & dining
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 SmartEarn Credit CardAmerican Express · American Express | AU Altura+ Credit CardVisa · AU Small Finance Bank | Bank of Baroda Select Credit CardVisa · Bank of Baroda |
|---|---|---|---|
Card image |  |  |  |
Provider | American Express | AU Small Finance Bank | Bank of Baroda |
Card | |||
Annual fee | Lifetime FreeBest | ₹499 | ₹750 |
Joining fee | ₹0Best | ₹90 | ₹750 |
Reward rate | 10X on Amazon/Flipkart (cap); 5X on others | 2X reward points on online spends; 1 RP per ₹100 on offline spendsBest | 5X rewards on travel & dining |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | American Express | Visa | Visa |
Best for | online-shopping, lifetime-free | — | travel, dining |
Apply |
American Express
Lifetime free. 10X on Amazon/Flipkart (cap); 5X on others — Best for online-shopping · lifetime-free.
AU Small Finance Bank
2X reward points on online spends; 1 RP per ₹100 on offline spends — Best for .
Bank of Baroda
5X rewards on travel & dining — Best for travel · dining.
Related Guides
In-depth guides on rewards, lounge access, forex and more.
Related Comparisons
Compare any two cards side-by-side across 140+ issuers.
