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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
Mastercard · HDFC Bank
4 reward points per ₹150 — Best for travel · lounge-access · premium.
Annual fee
₹2,500
Mastercard · ICICI Bank
4 reward points per ₹100 — Best for premium · travel · rewards.
Annual fee
₹12,000
Axis Bank
Annual Fee
₹12,500
Reward Rate
12000 bonus points on ₹1L monthly; 5X on travel
Welcome Benefit
—
HDFC Bank
Annual Fee
₹2,500
Reward Rate
4 reward points per ₹150
Welcome Benefit
—
ICICI Bank
Annual Fee
₹12,000
Reward Rate
4 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 Magnus Credit CardVisa · Axis Bank | HDFC Bank Regalia Gold Credit CardMastercard · HDFC Bank | ICICI Emeralde Credit CardMastercard · ICICI Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | Axis Bank | HDFC Bank | ICICI Bank |
Card | |||
Annual fee | ₹12,500 | ₹2,500Best | ₹12,000 |
Joining fee | ₹12,500 | ₹2,500Best | ₹12,000 |
Reward rate | 12000 bonus points on ₹1L monthly; 5X on travelBest | 4 reward points per ₹150 | 4 reward points per ₹100 |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | Visa | Mastercard | Mastercard |
Best for | premium, travel, lounge-access | travel, lounge-access, premium | premium, travel, rewards |
Apply |
Axis Bank
12000 bonus points on ₹1L monthly; 5X on travel — Best for premium · travel · lounge-access.
HDFC Bank
4 reward points per ₹150 — Best for travel · lounge-access · premium.
ICICI Bank
4 reward points per ₹100 — Best for premium · travel · rewards.
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