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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · Axis Bank
12000 bonus points on ₹1L monthly; 5X on travel — Best for premium · travel · lounge-access.
Annual fee
₹12,500
Visa · HDFC Bank
5X rewards on PayZapp — Best for online-shopping · cashback.
Annual fee
₹500
Visa · ICICI Bank
Lifetime free. MMT Black membership; rewards on MMT — Best for travel · hotels.
Annual fee
Lifetime free
Axis Bank
Annual Fee
₹12,500
Reward Rate
12000 bonus points on ₹1L monthly; 5X on travel
Welcome Benefit
—
HDFC Bank
Annual Fee
₹500
Reward Rate
5X rewards on PayZapp
Welcome Benefit
—
ICICI Bank
Annual Fee
Lifetime Free
Reward Rate
MMT Black membership; rewards on MMT
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 Magnus Credit CardVisa · Axis Bank | HDFC Bank PayZapp Credit CardVisa · HDFC Bank | ICICI MakeMyTrip Credit CardVisa · ICICI Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | Axis Bank | HDFC Bank | ICICI Bank |
Card | |||
Annual fee | ₹12,500 | ₹500 | Lifetime FreeBest |
Joining fee | ₹12,500 | ₹500 | ₹0Best |
Reward rate | 12000 bonus points on ₹1L monthly; 5X on travelBest | 5X rewards on PayZapp | MMT Black membership; rewards on MMT |
Welcome benefit | — | — | — |
Lifetime free | No | No | YesBest |
Network | Visa | Visa | Visa |
Best for | premium, travel, lounge-access | online-shopping, cashback | travel, hotels |
Apply |
Axis Bank
12000 bonus points on ₹1L monthly; 5X on travel — Best for premium · travel · lounge-access.
HDFC Bank
5X rewards on PayZapp — Best for online-shopping · cashback.
ICICI Bank
Lifetime free. MMT Black membership; rewards on MMT — Best for travel · hotels.
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