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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
American Express · ICICI Bank
4 reward points per ₹100 — Best for premium · travel · rewards.
Annual fee
₹6,500
Visa · Standard Chartered
5x on travel & dining; 1x others — Best for travel · dining · lounge-access.
Annual fee
₹5,000
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
—
ICICI Bank
Annual Fee
₹6,500
Reward Rate
4 reward points per ₹100
Welcome Benefit
—
Standard Chartered
Annual Fee
₹5,000
Reward Rate
5x on travel & dining; 1x others
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 | ICICI Sapphiro Credit CardAmerican Express · ICICI Bank | Standard Chartered Ultimate Credit CardVisa · Standard Chartered |
|---|---|---|---|
Card image |  |  |  |
Provider | Axis Bank | ICICI Bank | Standard Chartered |
Card | |||
Annual fee | ₹30,000 | ₹6,500 | ₹5,000Best |
Joining fee | ₹30,000 | ₹6,500 | ₹5,000Best |
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 | 4 reward points per ₹100 | 5x on travel & dining; 1x others |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | Visa | American Express | Visa |
Best for | — | premium, travel, rewards | travel, dining, lounge-access |
Apply |
Axis Bank
12 EDGE Reward Points per Rs 200 on monthly spends up to Rs 1.5 lakh; 35 poin… — Best for .
ICICI Bank
4 reward points per ₹100 — Best for premium · travel · rewards.
Standard Chartered
5x on travel & dining; 1x others — Best for travel · dining · lounge-access.
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