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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 · ICICI Bank
Lifetime free. MMT Black membership; rewards on MMT — Best for travel · hotels.
Annual fee
Lifetime free
Visa · IDFC FIRST Bank
Lifetime free. 3X reward points on all spends — Best for lifetime-free · rewards · beginners.
Annual fee
Lifetime free
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
MMT Black membership; rewards on MMT
Welcome Benefit
—
IDFC FIRST Bank
Annual Fee
Lifetime Free
Reward Rate
3X reward points on all spends
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 MakeMyTrip Credit CardVisa · ICICI Bank | IDFC FIRST Classic Credit CardVisa · IDFC FIRST Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | Axis Bank | ICICI Bank | IDFC FIRST Bank |
Card | |||
Annual fee | ₹12,500 | Lifetime Free | Lifetime Free |
Joining fee | ₹12,500 | ₹0 | ₹0 |
Reward rate | 12000 bonus points on ₹1L monthly; 5X on travelBest | MMT Black membership; rewards on MMT | 3X reward points on all spends |
Welcome benefit | — | — | — |
Lifetime free | No | Yes | Yes |
Network | Visa | Visa | Visa |
Best for | premium, travel, lounge-access | travel, hotels | lifetime-free, rewards, beginners |
Apply |
Axis Bank
12000 bonus points on ₹1L monthly; 5X on travel — Best for premium · travel · lounge-access.
ICICI Bank
Lifetime free. MMT Black membership; rewards on MMT — Best for travel · hotels.
IDFC FIRST Bank
Lifetime free. 3X reward points on all spends — Best for lifetime-free · rewards · beginners.
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