We use analytics cookies to understand how visitors interact with our site. By continuing you agree to our use of cookies as described in our Privacy Policy.
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
American Express · ICICI Bank
3 reward points per ₹100 — Best for premium · luxury.
Annual fee
₹20,000
Mastercard · ICICI Bank
2 Payback points per ₹100 on dining — Best for dining · rewards.
Annual fee
₹500
American Express
Annual Fee
Lifetime Free
Reward Rate
10X on Amazon/Flipkart (cap); 5X on others
Welcome Benefit
—
ICICI Bank
Annual Fee
₹20,000
Reward Rate
3 reward points per ₹100
Welcome Benefit
—
ICICI Bank
Annual Fee
₹500
Reward Rate
2 Payback points per ₹100 on dining
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 | ICICI Bank Bvlgari Credit CardAmerican Express · ICICI Bank | ICICI Coral Credit CardMastercard · ICICI Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | American Express | ICICI Bank | ICICI Bank |
Card | |||
Annual fee | Lifetime FreeBest | ₹20,000 | ₹500 |
Joining fee | ₹0Best | ₹20,000 | ₹500 |
Reward rate | 10X on Amazon/Flipkart (cap); 5X on others | 3 reward points per ₹100Best | 2 Payback points per ₹100 on dining |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | American Express | American Express | Mastercard |
Best for | online-shopping, lifetime-free | premium, luxury | dining, rewards |
Apply |
American Express
Lifetime free. 10X on Amazon/Flipkart (cap); 5X on others — Best for online-shopping · lifetime-free.
ICICI Bank
3 reward points per ₹100 — Best for premium · luxury.
ICICI Bank
2 Payback points per ₹100 on dining — Best for dining · rewards.
Related Guides
In-depth guides on rewards, lounge access, forex and more.
Related Comparisons
Compare any two cards side-by-side across 140+ issuers.
