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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
4 reward points per ₹100 — Best for rewards · premium.
Annual fee
₹1,500
Visa · SBI Card
10X reward points on health — Best for healthcare · rewards.
Annual fee
₹1,499
American Express
Annual Fee
Lifetime Free
Reward Rate
10X on Amazon/Flipkart (cap); 5X on others
Welcome Benefit
—
Bank of Baroda
Annual Fee
₹1,500
Reward Rate
4 reward points per ₹100
Welcome Benefit
—
SBI Card
Annual Fee
₹1,499
Reward Rate
10X reward points on health
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 | Bank of Baroda Prime Credit CardVisa · Bank of Baroda | SBI Card PulseVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | American Express | Bank of Baroda | SBI Card |
Card | |||
Annual fee | Lifetime FreeBest | ₹1,500 | ₹1,499 |
Joining fee | ₹0Best | ₹1,500 | ₹1,499 |
Reward rate | 10X on Amazon/Flipkart (cap); 5X on others | 4 reward points per ₹100Best | 10X reward points on health |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | American Express | Visa | Visa |
Best for | online-shopping, lifetime-free | rewards, premium | healthcare, rewards |
Apply |
American Express
Lifetime free. 10X on Amazon/Flipkart (cap); 5X on others — Best for online-shopping · lifetime-free.
Bank of Baroda
4 reward points per ₹100 — Best for rewards · premium.
SBI Card
10X reward points on health — Best for healthcare · rewards.
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