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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Mastercard · Axis Bank
15X reward points on all spends — Best for premium · super-premium.
Annual fee
₹50,000
Mastercard · HDFC Bank
2 reward points per ₹150 — Best for rewards · everyday.
Annual fee
₹500
American Express · ICICI Bank
3 reward points per ₹100 — Best for premium · luxury.
Annual fee
₹20,000
Axis Bank
Annual Fee
₹50,000
Reward Rate
15X reward points on all spends
Welcome Benefit
—
HDFC Bank
Annual Fee
₹500
Reward Rate
2 reward points per ₹150
Welcome Benefit
—
ICICI Bank
Annual Fee
₹20,000
Reward Rate
3 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 Reserve Credit CardMastercard · Axis Bank | HDFC Bank Bharat Credit CardMastercard · HDFC Bank | ICICI Bank Bvlgari Credit CardAmerican Express · ICICI Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | Axis Bank | HDFC Bank | ICICI Bank |
Card | |||
Annual fee | ₹50,000 | ₹500Best | ₹20,000 |
Joining fee | ₹50,000 | ₹500Best | ₹20,000 |
Reward rate | 15X reward points on all spends | 2 reward points per ₹150 | 3 reward points per ₹100Best |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | Mastercard | Mastercard | American Express |
Best for | premium, super-premium | rewards, everyday | premium, luxury |
Apply |
Axis Bank
15X reward points on all spends — Best for premium · super-premium.
HDFC Bank
2 reward points per ₹150 — Best for rewards · everyday.
ICICI Bank
3 reward points per ₹100 — Best for premium · luxury.
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