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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
2 reward points per ₹100 — Best for rewards · lifestyle.
Annual fee
₹3,000
Visa · SBI Card
Welcome gift of 2,500 IndiGo BluChips
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
₹3,000
Reward Rate
2 reward points per ₹100
Welcome Benefit
—
SBI Card
Annual Fee
Lifetime Free
Reward Rate
2 IndiGo BluChips per ₹100 on IndiGo transactions; 1 BluChip per ₹100 on other spends
Welcome Benefit
Welcome gift of up to 2,500 IndiGo BluChips on joining
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 Bank Gemstone Credit CardMastercard · ICICI Bank | IndiGo SBI CardVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | American Express | ICICI Bank | SBI Card |
Card | |||
Annual fee | ₹5,000 | ₹3,000 | Lifetime FreeBest |
Joining fee | ₹5,000 | ₹3,000 | ₹0Best |
Reward rate | 5X rewards on travel; 1X on others | 2 reward points per ₹100 | 2 IndiGo BluChips per ₹100 on IndiGo transactions; 1 BluChip per ₹100 on other spendsBest |
Welcome benefit | — | — | Welcome gift of up to 2,500 IndiGo BluChips on joining |
Lifetime free | No | No | YesBest |
Network | American Express | Mastercard | Visa |
Best for | travel, premium, lounge-access | rewards, lifestyle | airlines, travel |
Apply |
American Express
5X rewards on travel; 1X on others — Best for travel · premium · lounge-access.
ICICI Bank
2 reward points per ₹100 — Best for rewards · lifestyle.
SBI Card
Welcome gift of 2,500 IndiGo BluChips
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