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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
2X EDGE rewards on dining & movies — Best for dining · entertainment.
Annual fee
₹500
Visa · IDFC FIRST Bank
Lifetime free. 3X reward points on all spends — Best for lifetime-free · rewards · beginners.
Annual fee
Lifetime free
American Express
Annual Fee
Lifetime Free
Reward Rate
10X on Amazon/Flipkart (cap); 5X on others
Welcome Benefit
—
Axis Bank
Annual Fee
₹500
Reward Rate
2X EDGE rewards on dining & movies
Welcome Benefit
—
IDFC FIRST Bank
Annual Fee
Lifetime Free
Reward Rate
3X 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 SmartEarn Credit CardAmerican Express · American Express | Axis MyZone Credit CardMastercard · Axis Bank | IDFC FIRST Classic Credit CardVisa · IDFC FIRST Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | American Express | Axis Bank | IDFC FIRST Bank |
Card | |||
Annual fee | Lifetime Free | ₹500 | Lifetime Free |
Joining fee | ₹0 | ₹500 | ₹0 |
Reward rate | 10X on Amazon/Flipkart (cap); 5X on othersBest | 2X EDGE rewards on dining & movies | 3X reward points on all spends |
Welcome benefit | — | — | — |
Lifetime free | Yes | No | Yes |
Network | American Express | Mastercard | Visa |
Best for | online-shopping, lifetime-free | dining, entertainment | lifetime-free, rewards, beginners |
Apply |
American Express
Lifetime free. 10X on Amazon/Flipkart (cap); 5X on others — Best for online-shopping · lifetime-free.
Axis Bank
2X EDGE rewards on dining & movies — Best for dining · entertainment.
IDFC FIRST Bank
Lifetime free. 3X reward points on all spends — Best for lifetime-free · rewards · beginners.
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