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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
Lifetime free. 2X rewards per ₹100 — Best for lifetime-free · rewards.
Annual fee
Lifetime free
American Express · ICICI Bank
4 reward points per ₹100 — Best for premium · travel · rewards.
Annual fee
₹6,500
Axis Bank
Annual Fee
₹50,000
Reward Rate
15X reward points on all spends
Welcome Benefit
—
HSBC India
Annual Fee
Lifetime Free
Reward Rate
2X rewards per ₹100
Welcome Benefit
—
ICICI Bank
Annual Fee
₹6,500
Reward Rate
4 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 Visa Platinum Credit CardVisa · HSBC India | ICICI Sapphiro Credit CardAmerican Express · ICICI Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | Axis Bank | HSBC India | ICICI Bank |
Card | |||
Annual fee | ₹50,000 | Lifetime FreeBest | ₹6,500 |
Joining fee | ₹50,000 | ₹0Best | ₹6,500 |
Reward rate | 15X reward points on all spends | 2X rewards per ₹100 | 4 reward points per ₹100Best |
Welcome benefit | — | — | — |
Lifetime free | No | YesBest | No |
Network | Mastercard | Visa | American Express |
Best for | premium, super-premium | lifetime-free, rewards | premium, travel, rewards |
Apply |
Axis Bank
15X reward points on all spends — Best for premium · super-premium.
HSBC India
Lifetime free. 2X rewards per ₹100 — Best for lifetime-free · rewards.
ICICI Bank
4 reward points per ₹100 — Best for premium · travel · rewards.
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