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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
Visa · HSBC India
3 reward points per ₹100 — Best for premium · rewards.
Annual fee
₹5,000
Mastercard · ICICI Bank
2 reward points per ₹100 — Best for rewards · lifestyle.
Annual fee
₹3,000
Axis Bank
Annual Fee
₹50,000
Reward Rate
15X reward points on all spends
Welcome Benefit
—
HSBC India
Annual Fee
₹5,000
Reward Rate
3 reward points per ₹100
Welcome Benefit
—
ICICI Bank
Annual Fee
₹3,000
Reward Rate
2 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 | HSBC Premier Credit CardVisa · HSBC India | ICICI Bank Gemstone Credit CardMastercard · ICICI Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | Axis Bank | HSBC India | ICICI Bank |
Card | |||
Annual fee | ₹50,000 | ₹5,000 | ₹3,000Best |
Joining fee | ₹50,000 | ₹5,000 | ₹3,000Best |
Reward rate | 15X reward points on all spends | 3 reward points per ₹100Best | 2 reward points per ₹100 |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | Mastercard | Visa | Mastercard |
Best for | premium, super-premium | premium, rewards | rewards, lifestyle |
Apply |
Axis Bank
15X reward points on all spends — Best for premium · super-premium.
HSBC India
3 reward points per ₹100 — Best for premium · rewards.
ICICI Bank
2 reward points per ₹100 — Best for rewards · lifestyle.
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