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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · Axis Bank
Lifetime free. 5% cashback on Google Pay — Best for bill-payments · cashback.
Annual fee
Lifetime free
American Express · ICICI Bank
3 reward points per ₹100 — Best for premium · luxury.
Annual fee
₹20,000
Mastercard · IDFC FIRST Bank
10X reward points on all spends — Best for rewards · premium.
Annual fee
₹5,000
Axis Bank
Annual Fee
Lifetime Free
Reward Rate
5% cashback on Google Pay
Welcome Benefit
—
ICICI Bank
Annual Fee
₹20,000
Reward Rate
3 reward points per ₹100
Welcome Benefit
—
IDFC FIRST Bank
Annual Fee
₹5,000
Reward Rate
10X 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 Neo Credit CardVisa · Axis Bank | ICICI Bank Bvlgari Credit CardAmerican Express · ICICI Bank | IDFC FIRST Ashva Credit CardMastercard · IDFC FIRST Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | Axis Bank | ICICI Bank | IDFC FIRST Bank |
Card | |||
Annual fee | Lifetime FreeBest | ₹20,000 | ₹5,000 |
Joining fee | ₹0Best | ₹20,000 | ₹5,000 |
Reward rate | 5% cashback on Google Pay | 3 reward points per ₹100Best | 10X reward points on all spends |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | Visa | American Express | Mastercard |
Best for | bill-payments, cashback | premium, luxury | rewards, premium |
Apply |
Axis Bank
Lifetime free. 5% cashback on Google Pay — Best for bill-payments · cashback.
ICICI Bank
3 reward points per ₹100 — Best for premium · luxury.
IDFC FIRST Bank
10X reward points on all spends — Best for rewards · premium.
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