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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
American Express · American Express
5X on travel; 1X elsewhere — Best for travel · premium.
Annual fee
₹5,000
Visa · ICICI Bank
Lifetime free. MMT Black membership; rewards on MMT — Best for travel · hotels.
Annual fee
Lifetime free
Visa · SBI Card
5X rewards on dining, departmental stores & grocery. 8 domestic + 6 international lounge visits. 1.99% lowest forex markup.
Annual fee
₹4,999
American Express
Annual Fee
₹5,000
Reward Rate
5X on travel; 1X elsewhere
Welcome Benefit
—
ICICI Bank
Annual Fee
Lifetime Free
Reward Rate
MMT Black membership; rewards on MMT
Welcome Benefit
—
SBI Card
Annual Fee
₹4,999
Reward Rate
5 Reward Points per ₹100 on dining, departmental stores and grocery; 2 Reward Points per ₹100 on all other retail spends; 1 Reward Point = Re. 0.25
Welcome Benefit
Up to 5,000 Bonus Reward Points as welcome gift on payment of joining fee, plus complimentary 1-year Club ITC Silver Tier membership on first transaction within 60 days of card activation.
Side by side
Every fee, reward and benefit in one place — the winning card in each row is marked with a check.
CategoryFeature | Amex Platinum Reserve Credit CardAmerican Express · American Express | ICICI MakeMyTrip Credit CardVisa · ICICI Bank | SBI Card ELITEVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | American Express | ICICI Bank | SBI Card |
Card | |||
Annual fee | ₹5,000 | Lifetime FreeBest | ₹4,999 |
Joining fee | ₹5,000 | ₹0Best | ₹4,999 |
Reward rate | 5X on travel; 1X elsewhere | MMT Black membership; rewards on MMT | 5 Reward Points per ₹100 on dining, departmental stores and grocery; 2 Reward Points per ₹100 on all other retail spends; 1 Reward Point = Re. 0.25Best |
Welcome benefit | — | — | Up to 5,000 Bonus Reward Points as welcome gift on payment of joining fee, plus complimentary 1-year Club ITC Silver Tier membership on first transaction within 60 days of card activation. |
Lifetime free | No | YesBest | No |
Network | American Express | Visa | Visa |
Best for | travel, premium | travel, hotels | premium, lounge-access, dining, forex, milestone |
Apply |
American Express
5X on travel; 1X elsewhere — Best for travel · premium.
ICICI Bank
Lifetime free. MMT Black membership; rewards on MMT — Best for travel · hotels.
SBI Card
5X rewards on dining, departmental stores & grocery. 8 domestic + 6 international lounge visits. 1.99% lowest forex markup.
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