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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 rewards on travel; 1X on others — Best for travel · premium · lounge-access.
Annual fee
₹5,000
Visa · Bank of Baroda
Lifetime free. 1 reward point per ₹100 — Best for lifetime-free.
Annual fee
Lifetime free
American Express · ICICI Bank
4 reward points per ₹100 — Best for premium · travel · rewards.
Annual fee
₹6,500
American Express
Annual Fee
₹5,000
Reward Rate
5X rewards on travel; 1X on others
Welcome Benefit
—
Bank of Baroda
Annual Fee
Lifetime Free
Reward Rate
1 reward point per ₹100
Welcome Benefit
—
ICICI Bank
Annual Fee
₹6,500
Reward Rate
4 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 Platinum Travel Credit CardAmerican Express · American Express | Bank of Baroda Empower Credit CardVisa · Bank of Baroda | ICICI Sapphiro Credit CardAmerican Express · ICICI Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | American Express | Bank of Baroda | ICICI Bank |
Card | |||
Annual fee | ₹5,000 | Lifetime FreeBest | ₹6,500 |
Joining fee | ₹5,000 | ₹0Best | ₹6,500 |
Reward rate | 5X rewards on travel; 1X on others | 1 reward point per ₹100 | 4 reward points per ₹100Best |
Welcome benefit | — | — | — |
Lifetime free | No | YesBest | No |
Network | American Express | Visa | American Express |
Best for | travel, premium, lounge-access | lifetime-free | premium, travel, rewards |
Apply |
American Express
5X rewards on travel; 1X on others — Best for travel · premium · lounge-access.
Bank of Baroda
Lifetime free. 1 reward point per ₹100 — Best for lifetime-free.
ICICI Bank
4 reward points per ₹100 — Best for premium · travel · rewards.
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