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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
Mastercard · ICICI Bank
4 reward points per ₹100 — Best for premium · travel · rewards.
Annual fee
₹12,000
Visa · Standard Chartered
Lifetime free. 5% cashback on fuel & utility — Best for fuel · bill-payments · lifetime-free.
Annual fee
Lifetime free
American Express
Annual Fee
Lifetime Free
Reward Rate
1000 bonus points on ₹20K monthly
Welcome Benefit
—
ICICI Bank
Annual Fee
₹12,000
Reward Rate
4 reward points per ₹100
Welcome Benefit
—
Standard Chartered
Annual Fee
Lifetime Free
Reward Rate
5% cashback on fuel & utility
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 | ICICI Emeralde Credit CardMastercard · ICICI Bank | Standard Chartered Platinum Credit CardVisa · Standard Chartered |
|---|---|---|---|
Card image |  |  |  |
Provider | American Express | ICICI Bank | Standard Chartered |
Card | |||
Annual fee | Lifetime Free | ₹12,000 | Lifetime Free |
Joining fee | ₹0 | ₹12,000 | ₹0 |
Reward rate | 1000 bonus points on ₹20K monthlyBest | 4 reward points per ₹100 | 5% cashback on fuel & utility |
Welcome benefit | — | — | — |
Lifetime free | Yes | No | Yes |
Network | American Express | Mastercard | Visa |
Best for | rewards, lifetime-free | premium, travel, rewards | fuel, bill-payments, lifetime-free |
Apply |
American Express
Lifetime free. 1000 bonus points on ₹20K monthly — Best for rewards · lifetime-free.
ICICI Bank
4 reward points per ₹100 — Best for premium · travel · rewards.
Standard Chartered
Lifetime free. 5% cashback on fuel & utility — Best for fuel · bill-payments · lifetime-free.
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