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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 · IndusInd Bank
3 reward points per ₹100 — Best for rewards · premium.
Annual fee
₹3,000
Visa · Kotak Mahindra Bank
5 reward points per ₹100 — Best for premium · rewards.
Annual fee
₹10,000
American Express
Annual Fee
Lifetime Free
Reward Rate
10X on Amazon/Flipkart (cap); 5X on others
Welcome Benefit
—
IndusInd Bank
Annual Fee
₹3,000
Reward Rate
3 reward points per ₹100
Welcome Benefit
—
Kotak Mahindra Bank
Annual Fee
₹10,000
Reward Rate
5 reward points per ₹100
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 | IndusInd Bank Legend Credit CardVisa · IndusInd Bank | Kotak Zenith Credit CardVisa · Kotak Mahindra Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | American Express | IndusInd Bank | Kotak Mahindra Bank |
Card | |||
Annual fee | Lifetime FreeBest | ₹3,000 | ₹10,000 |
Joining fee | ₹0Best | ₹3,000 | ₹10,000 |
Reward rate | 10X on Amazon/Flipkart (cap); 5X on others | 3 reward points per ₹100 | 5 reward points per ₹100Best |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | American Express | Visa | Visa |
Best for | online-shopping, lifetime-free | rewards, premium | premium, rewards |
Apply |
American Express
Lifetime free. 10X on Amazon/Flipkart (cap); 5X on others — Best for online-shopping · lifetime-free.
IndusInd Bank
3 reward points per ₹100 — Best for rewards · premium.
Kotak Mahindra Bank
5 reward points per ₹100 — Best for premium · rewards.
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