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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
Mastercard · Axis Bank
Lifetime free. 2% on bill pays; 1% on others — Best for lifetime-free · cashback · bill-payments.
Annual fee
Lifetime free
Visa · Kotak Mahindra Bank
4X rewards on selected spends — Best for rewards · premium.
Annual fee
₹3,000
American Express
Annual Fee
Lifetime Free
Reward Rate
10X on Amazon/Flipkart (cap); 5X on others
Welcome Benefit
—
Axis Bank
Annual Fee
Lifetime Free
Reward Rate
2% on bill pays; 1% on others
Welcome Benefit
—
Kotak Mahindra Bank
Annual Fee
₹3,000
Reward Rate
4X rewards on selected 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 SmartEarn Credit CardAmerican Express · American Express | Axis Ace Credit CardMastercard · Axis Bank | Kotak White Reserve Credit CardVisa · Kotak Mahindra Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | American Express | Axis Bank | Kotak Mahindra Bank |
Card | |||
Annual fee | Lifetime Free | Lifetime Free | ₹3,000 |
Joining fee | ₹0 | ₹0 | ₹3,000 |
Reward rate | 10X on Amazon/Flipkart (cap); 5X on othersBest | 2% on bill pays; 1% on others | 4X rewards on selected spends |
Welcome benefit | — | — | — |
Lifetime free | Yes | Yes | No |
Network | American Express | Mastercard | Visa |
Best for | online-shopping, lifetime-free | lifetime-free, cashback, bill-payments | rewards, premium |
Apply |
American Express
Lifetime free. 10X on Amazon/Flipkart (cap); 5X on others — Best for online-shopping · lifetime-free.
Axis Bank
Lifetime free. 2% on bill pays; 1% on others — Best for lifetime-free · cashback · bill-payments.
Kotak Mahindra Bank
4X rewards on selected spends — Best for rewards · premium.
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