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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 · IDFC FIRST Bank
Lifetime free. 3X on top categories; 1X others — Best for lifetime-free · rewards · lounge-access.
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
—
IDFC FIRST Bank
Annual Fee
Lifetime Free
Reward Rate
3X on top categories; 1X others
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 | IDFC FIRST Select Credit CardVisa · IDFC FIRST Bank | Punjab National Bank Global Credit CardVisa · Punjab National Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | American Express | IDFC FIRST Bank | 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 othersBest | 3X on top categories; 1X others | 10X rewards on international travel |
Welcome benefit | — | — | — |
Lifetime free | Yes | Yes | No |
Network | American Express | Visa | Visa |
Best for | online-shopping, lifetime-free | lifetime-free, rewards, lounge-access | travel |
Apply |
American Express
Lifetime free. 10X on Amazon/Flipkart (cap); 5X on others — Best for online-shopping · lifetime-free.
IDFC FIRST Bank
Lifetime free. 3X on top categories; 1X others — Best for lifetime-free · rewards · lounge-access.
Punjab National Bank
10X rewards on international travel — Best for travel.
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