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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
Mastercard · ICICI Bank
2 reward points per ₹100 — Best for rewards · lifestyle.
Annual fee
₹3,000
Visa · Niyo (DCB Bank)
Lifetime free. 2X rewards on forex spends — Best for travel · lifetime-free.
Annual fee
Lifetime free
Axis Bank
Annual Fee
Lifetime Free
Reward Rate
5% cashback on Google Pay
Welcome Benefit
—
ICICI Bank
Annual Fee
₹3,000
Reward Rate
2 reward points per ₹100
Welcome Benefit
—
Niyo (DCB Bank)
Annual Fee
Lifetime Free
Reward Rate
2X rewards on forex 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 Gemstone Credit CardMastercard · ICICI Bank | Niyo Global Credit CardVisa · Niyo (DCB Bank) |
|---|---|---|---|
Card image |  |  |  |
Provider | Axis Bank | ICICI Bank | Niyo (DCB Bank) |
Card | |||
Annual fee | Lifetime Free | ₹3,000 | Lifetime Free |
Joining fee | ₹0 | ₹3,000 | ₹0 |
Reward rate | 5% cashback on Google Pay | 2 reward points per ₹100Best | 2X rewards on forex spends |
Welcome benefit | — | — | — |
Lifetime free | Yes | No | Yes |
Network | Visa | Mastercard | Visa |
Best for | bill-payments, cashback | rewards, lifestyle | travel, lifetime-free |
Apply |
Axis Bank
Lifetime free. 5% cashback on Google Pay — Best for bill-payments · cashback.
ICICI Bank
2 reward points per ₹100 — Best for rewards · lifestyle.
Niyo (DCB Bank)
Lifetime free. 2X rewards on forex spends — Best for travel · lifetime-free.
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