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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
Mastercard · ICICI Bank
4 reward points per ₹100 — Best for premium · travel · rewards.
Annual fee
₹12,000
Visa · ICICI Bank
Lifetime free. 1 payback point per ₹100 — Best for lifetime-free · beginners.
Annual fee
Lifetime free
American Express
Annual Fee
₹5,000
Reward Rate
5X rewards on travel; 1X on others
Welcome Benefit
—
ICICI Bank
Annual Fee
₹12,000
Reward Rate
4 reward points 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 Platinum Travel Credit CardAmerican Express · American Express | ICICI Emeralde Credit CardMastercard · ICICI Bank | ICICI Platinum Credit CardVisa · ICICI Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | American Express | ICICI Bank | ICICI Bank |
Card | |||
Annual fee | ₹5,000 | ₹12,000 | Lifetime FreeBest |
Joining fee | ₹5,000 | ₹12,000 | ₹0Best |
Reward rate | 5X rewards on travel; 1X on others | 4 reward points per ₹100Best | 1 payback point per ₹100 |
Welcome benefit | — | — | — |
Lifetime free | No | No | YesBest |
Network | American Express | Mastercard | Visa |
Best for | travel, premium, lounge-access | premium, travel, rewards | lifetime-free, beginners |
Apply |
American Express
5X rewards on travel; 1X on others — Best for travel · premium · lounge-access.
ICICI Bank
4 reward points per ₹100 — Best for premium · travel · rewards.
ICICI Bank
Lifetime free. 1 payback point per ₹100 — Best for lifetime-free · beginners.
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