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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. 1000 bonus points on ₹20K monthly — Best for rewards · lifetime-free.
Annual fee
Lifetime free
Visa · Federal Bank
Lifetime free. 1 reward point per ₹100 — Best for lifetime-free · rewards.
Annual fee
Lifetime free
Visa · ICICI Bank
Lifetime free. 1 payback point per ₹100 — Best for lifetime-free · beginners.
Annual fee
Lifetime free
American Express
Annual Fee
Lifetime Free
Reward Rate
1000 bonus points on ₹20K monthly
Welcome Benefit
—
Federal Bank
Annual Fee
Lifetime Free
Reward Rate
1 reward point per ₹100
Welcome Benefit
—
ICICI Bank
Annual Fee
Lifetime Free
Reward Rate
1 payback point 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 Gold Credit CardAmerican Express · American Express | Federal Bank Celebration Credit CardVisa · Federal Bank | ICICI Platinum Credit CardVisa · ICICI Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | American Express | Federal Bank | ICICI Bank |
Card | |||
Annual fee | Lifetime Free | Lifetime Free | Lifetime Free |
Joining fee | ₹0 | ₹0 | ₹0 |
Reward rate | 1000 bonus points on ₹20K monthlyBest | 1 reward point per ₹100 | 1 payback point per ₹100 |
Welcome benefit | — | — | — |
Lifetime free | Yes | Yes | Yes |
Network | American Express | Visa | Visa |
Best for | rewards, lifetime-free | lifetime-free, rewards | lifetime-free, beginners |
Apply |
American Express
Lifetime free. 1000 bonus points on ₹20K monthly — Best for rewards · lifetime-free.
Federal Bank
Lifetime free. 1 reward point per ₹100 — Best for lifetime-free · rewards.
ICICI Bank
Lifetime free. 1 payback point per ₹100 — Best for lifetime-free · beginners.
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