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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 · Bank of Baroda
Lifetime free. 2 Reward Points per ₹100 on all eligible categories (no accelerated category … — Best for .
Annual fee
Lifetime free
Visa · Punjab National Bank
10X rewards on international travel — Best for travel.
Annual fee
₹2,000
American Express
Annual Fee
Lifetime Free
Reward Rate
10X on Amazon/Flipkart (cap); 5X on others
Welcome Benefit
—
Bank of Baroda
Annual Fee
Lifetime Free
Reward Rate
2 Reward Points per ₹100 on all eligible categories (no accelerated category on this card)
Welcome Benefit
—
Punjab National Bank
Annual Fee
₹2,000
Reward Rate
10X rewards on international 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 | BOBCARD Prime Credit Card (mapped from requested 'bob-prime-novus')Visa · Bank of Baroda | Punjab National Bank Global Credit CardVisa · Punjab National Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | American Express | Bank of Baroda | Punjab National Bank |
Card | |||
Annual fee | Lifetime Free | Lifetime Free | ₹2,000 |
Joining fee | ₹0 | ₹0 | ₹2,000 |
Reward rate | 10X on Amazon/Flipkart (cap); 5X on others | 2 Reward Points per ₹100 on all eligible categories (no accelerated category on this card)Best | 10X rewards on international travel |
Welcome benefit | — | — | — |
Lifetime free | Yes | Yes | No |
Network | American Express | Visa | Visa |
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.
Bank of Baroda
Lifetime free. 2 Reward Points per ₹100 on all eligible categories (no accelerated category … — Best for .
Punjab National Bank
10X rewards on international travel — Best for travel.
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