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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
Up to 5 Reward Points per ₹100 on shopping, dining & travel — Best for .
Annual fee
₹2,000
Mastercard · RBL Bank
5X rewards on travel — Best for travel.
Annual fee
₹3,000
American Express
Annual Fee
Lifetime Free
Reward Rate
10X on Amazon/Flipkart (cap); 5X on others
Welcome Benefit
—
AU Small Finance Bank
Annual Fee
₹2,000
Reward Rate
Up to 5 Reward Points per ₹100 on shopping, dining & travel
Welcome Benefit
—
RBL Bank
Annual Fee
₹3,000
Reward Rate
5X rewards on travel
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 Vetta Credit CardVisa · AU Small Finance Bank | RBL Bank World Safari Credit CardMastercard · RBL Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | American Express | AU Small Finance Bank | RBL Bank |
Card | |||
Annual fee | Lifetime FreeBest | ₹2,000 | ₹3,000 |
Joining fee | ₹0 | ₹0 | ₹3,000 |
Reward rate | 10X on Amazon/Flipkart (cap); 5X on others | Up to 5 Reward Points per ₹100 on shopping, dining & travelBest | 5X rewards on travel |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | American Express | Visa | Mastercard |
Best for | online-shopping, lifetime-free | — | travel |
Apply |
American Express
Lifetime free. 10X on Amazon/Flipkart (cap); 5X on others — Best for online-shopping · lifetime-free.
AU Small Finance Bank
Up to 5 Reward Points per ₹100 on shopping, dining & travel — Best for .
RBL Bank
5X rewards on travel — Best for travel.
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