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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · Axis Bank
12 EDGE Reward Points per Rs 200 on monthly spends up to Rs 1.5 lakh; 35 poin… — Best for .
Annual fee
₹30,000
Visa · HSBC India
3 reward points per ₹100 — Best for premium · rewards.
Annual fee
₹5,000
Mastercard · ICICI Bank
Lifetime free. 2X rewards on dining & lifestyle — Best for dining · lifestyle.
Annual fee
Lifetime free
Axis Bank
Annual Fee
₹30,000
Reward Rate
12 EDGE Reward Points per Rs 200 on monthly spends up to Rs 1.5 lakh; 35 points per Rs 200 above Rs 1.5 lakh; enhanced ratio for Burgundy customers (4 partner points per 5 EDGE = 5:4 ratio)
Welcome Benefit
—
HSBC India
Annual Fee
₹5,000
Reward Rate
3 reward points per ₹100
Welcome Benefit
—
ICICI Bank
Annual Fee
Lifetime Free
Reward Rate
2X rewards on dining & lifestyle
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 Bank Burgundy Credit CardVisa · Axis Bank | HSBC Premier Credit CardVisa · HSBC India | ICICI Bank Femina Credit CardMastercard · ICICI Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | Axis Bank | HSBC India | ICICI Bank |
Card | |||
Annual fee | ₹30,000 | ₹5,000 | Lifetime FreeBest |
Joining fee | ₹30,000 | ₹5,000 | ₹0Best |
Reward rate | 12 EDGE Reward Points per Rs 200 on monthly spends up to Rs 1.5 lakh; 35 points per Rs 200 above Rs 1.5 lakh; enhanced ratio for Burgundy customers (4 partner points per 5 EDGE = 5:4 ratio)Best | 3 reward points per ₹100 | 2X rewards on dining & lifestyle |
Welcome benefit | — | — | — |
Lifetime free | No | No | YesBest |
Network | Visa | Visa | Mastercard |
Best for | — | premium, rewards | dining, lifestyle |
Apply |
Axis Bank
12 EDGE Reward Points per Rs 200 on monthly spends up to Rs 1.5 lakh; 35 poin… — Best for .
HSBC India
3 reward points per ₹100 — Best for premium · rewards.
ICICI Bank
Lifetime free. 2X rewards on dining & lifestyle — Best for dining · lifestyle.
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