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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
American Express · American Express
Lifetime free. 10X on Amazon/Flipkart (cap); 5X on others — Best for online-shopping · lifetime-free.
Annual fee
Lifetime free
RuPay · Axis Bank
2X rewards on UPI spends — Best for rewards · upi.
Annual fee
₹500
Visa · ICICI Bank
2 reward points per ₹100 — Best for rewards.
Annual fee
₹3,000
American Express
Annual Fee
Lifetime Free
Reward Rate
10X on Amazon/Flipkart (cap); 5X on others
Welcome Benefit
—
Axis Bank
Annual Fee
₹500
Reward Rate
2X rewards on UPI spends
Welcome Benefit
—
ICICI Bank
Annual Fee
₹3,000
Reward Rate
2 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 SmartEarn Credit CardAmerican Express · American Express | Axis Bank RuPay Credit CardRuPay · Axis Bank | ICICI Bank Rubyx Credit CardVisa · ICICI Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | American Express | Axis Bank | ICICI Bank |
Card | |||
Annual fee | Lifetime FreeBest | ₹500 | ₹3,000 |
Joining fee | ₹0Best | ₹500 | ₹3,000 |
Reward rate | 10X on Amazon/Flipkart (cap); 5X on others | 2X rewards on UPI spends | 2 reward points per ₹100Best |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | American Express | RuPay | Visa |
Best for | online-shopping, lifetime-free | rewards, upi | rewards |
Apply |
American Express
Lifetime free. 10X on Amazon/Flipkart (cap); 5X on others — Best for online-shopping · lifetime-free.
Axis Bank
2X rewards on UPI spends — Best for rewards · upi.
ICICI Bank
2 reward points per ₹100 — Best for rewards.
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