We use analytics cookies to understand how visitors interact with our site. By continuing you agree to our use of cookies as described in our Privacy Policy.
3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
American Express · American Express
1000 bonus points on ₹20K monthly; 1X base — Best for rewards · premium.
Annual fee
₹1,500
RuPay · Federal Bank
Lifetime free. 2X rewards on UPI — Best for rewards · upi · lifetime-free.
Annual fee
Lifetime free
Mastercard · ICICI Bank
2 Payback points per ₹100 on dining — Best for dining · rewards.
Annual fee
₹500
American Express
Annual Fee
₹1,500
Reward Rate
1000 bonus points on ₹20K monthly; 1X base
Welcome Benefit
—
Federal Bank
Annual Fee
Lifetime Free
Reward Rate
2X rewards on UPI
Welcome Benefit
—
ICICI Bank
Annual Fee
₹500
Reward Rate
2 Payback points per ₹100 on dining
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 Membership Rewards Credit CardAmerican Express · American Express | Federal Bank RuPay Credit CardRuPay · Federal Bank | ICICI Coral Credit CardMastercard · ICICI Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | American Express | Federal Bank | ICICI Bank |
Card | |||
Annual fee | ₹1,500 | Lifetime FreeBest | ₹500 |
Joining fee | ₹0 | ₹0 | ₹500 |
Reward rate | 1000 bonus points on ₹20K monthly; 1X baseBest | 2X rewards on UPI | 2 Payback points per ₹100 on dining |
Welcome benefit | — | — | — |
Lifetime free | No | YesBest | No |
Network | American Express | RuPay | Mastercard |
Best for | rewards, premium | rewards, upi, lifetime-free | dining, rewards |
Apply |
American Express
1000 bonus points on ₹20K monthly; 1X base — Best for rewards · premium.
Federal Bank
Lifetime free. 2X rewards on UPI — Best for rewards · upi · lifetime-free.
ICICI Bank
2 Payback points per ₹100 on dining — Best for dining · rewards.
Related Guides
In-depth guides on rewards, lounge access, forex and more.
Related Comparisons
Compare any two cards side-by-side across 140+ issuers.
