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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
American Express · ICICI Bank
Lifetime free. 5% back for Prime on Amazon; 3% for non-Prime — Best for online-shopping · amazon · lifetime-free.
Annual fee
Lifetime free
Visa · IDFC FIRST Bank
3X on online; 2X offline — Best for online-shopping · rewards.
Annual fee
₹1,000
Axis Bank
Annual Fee
₹12,500
Reward Rate
12000 bonus points on ₹1L monthly; 5X on travel
Welcome Benefit
—
ICICI Bank
Annual Fee
Lifetime Free
Reward Rate
5% back for Prime on Amazon; 3% for non-Prime
Welcome Benefit
—
IDFC FIRST Bank
Annual Fee
₹1,000
Reward Rate
3X on online; 2X offline
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 | ICICI Amazon Pay Credit CardAmerican Express · ICICI Bank | IDFC FIRST Millennia Credit CardVisa · IDFC FIRST Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | Axis Bank | ICICI Bank | IDFC FIRST Bank |
Card | |||
Annual fee | ₹12,500 | Lifetime FreeBest | ₹1,000 |
Joining fee | ₹12,500 | ₹0Best | ₹1,000 |
Reward rate | 12000 bonus points on ₹1L monthly; 5X on travelBest | 5% back for Prime on Amazon; 3% for non-Prime | 3X on online; 2X offline |
Welcome benefit | — | — | — |
Lifetime free | No | YesBest | No |
Network | Visa | American Express | Visa |
Best for | premium, travel, lounge-access | online-shopping, amazon, lifetime-free | online-shopping, rewards |
Apply |
Axis Bank
12000 bonus points on ₹1L monthly; 5X on travel — Best for premium · travel · lounge-access.
ICICI Bank
Lifetime free. 5% back for Prime on Amazon; 3% for non-Prime — Best for online-shopping · amazon · lifetime-free.
IDFC FIRST Bank
3X on online; 2X offline — Best for online-shopping · rewards.
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