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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
15X reward points on all spends — Best for premium · super-premium.
Annual fee
₹50,000
Visa · Axis Bank
10% cashback on Swiggy — Best for food-delivery · cashback.
Annual fee
₹500
American Express
Annual Fee
Lifetime Free
Reward Rate
10X on Amazon/Flipkart (cap); 5X on others
Welcome Benefit
—
Axis Bank
Annual Fee
₹50,000
Reward Rate
15X reward points on all spends
Welcome Benefit
—
Axis Bank
Annual Fee
₹500
Reward Rate
10% cashback on Swiggy
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 Reserve Credit CardMastercard · Axis Bank | Axis Swiggy Credit CardVisa · Axis Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | American Express | Axis Bank | Axis Bank |
Card | |||
Annual fee | Lifetime FreeBest | ₹50,000 | ₹500 |
Joining fee | ₹0Best | ₹50,000 | ₹500 |
Reward rate | 10X on Amazon/Flipkart (cap); 5X on othersBest | 15X reward points on all spends | 10% cashback on Swiggy |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | American Express | Mastercard | Visa |
Best for | online-shopping, lifetime-free | premium, super-premium | food-delivery, cashback |
Apply |
American Express
Lifetime free. 10X on Amazon/Flipkart (cap); 5X on others — Best for online-shopping · lifetime-free.
Axis Bank
15X reward points on all spends — Best for premium · super-premium.
Axis Bank
10% cashback on Swiggy — Best for food-delivery · cashback.
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