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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Mastercard · Axis Bank
Lifetime free. 2% on bill pays; 1% on others — Best for lifetime-free · cashback · bill-payments.
Annual fee
Lifetime free
RuPay · Axis Bank
2X rewards on UPI spends — Best for rewards · upi.
Annual fee
₹500
Mastercard · ICICI Bank
2 reward points per ₹100 — Best for rewards · lifestyle.
Annual fee
₹3,000
Axis Bank
Annual Fee
Lifetime Free
Reward Rate
2% on bill pays; 1% 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 | Axis Ace Credit CardMastercard · Axis Bank | Axis Bank RuPay Credit CardRuPay · Axis Bank | ICICI Bank Gemstone Credit CardMastercard · ICICI Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | Axis Bank | Axis Bank | ICICI Bank |
Card | |||
Annual fee | Lifetime FreeBest | ₹500 | ₹3,000 |
Joining fee | ₹0Best | ₹500 | ₹3,000 |
Reward rate | 2% on bill pays; 1% on others | 2X rewards on UPI spends | 2 reward points per ₹100Best |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | Mastercard | RuPay | Mastercard |
Best for | lifetime-free, cashback, bill-payments | rewards, upi | rewards, lifestyle |
Apply |
Axis Bank
Lifetime free. 2% on bill pays; 1% on others — Best for lifetime-free · cashback · bill-payments.
Axis Bank
2X rewards on UPI spends — Best for rewards · upi.
ICICI Bank
2 reward points per ₹100 — Best for rewards · lifestyle.
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