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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 · ICICI Bank
4 reward points per ₹100 — Best for premium · travel · rewards.
Annual fee
₹12,000
Visa · IDFC FIRST Bank
3X on online; 2X offline — Best for online-shopping · rewards.
Annual fee
₹1,000
Axis Bank
Annual Fee
₹50,000
Reward Rate
15X reward points on all spends
Welcome Benefit
—
ICICI Bank
Annual Fee
₹12,000
Reward Rate
4 reward points per ₹100
Welcome Benefit
—
IDFC FIRST Bank
Annual Fee
₹1,000
Reward Rate
3X on online; 2X offline
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 | ICICI Emeralde Credit CardMastercard · ICICI Bank | IDFC FIRST Millennia Credit CardVisa · IDFC FIRST Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | Axis Bank | ICICI Bank | IDFC FIRST Bank |
Card | |||
Annual fee | ₹50,000 | ₹12,000 | ₹1,000Best |
Joining fee | ₹50,000 | ₹12,000 | ₹1,000Best |
Reward rate | 15X reward points on all spends | 4 reward points per ₹100Best | 3X on online; 2X offline |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | Mastercard | Mastercard | Visa |
Best for | premium, super-premium | premium, travel, rewards | online-shopping, rewards |
Apply |
Axis Bank
15X reward points on all spends — Best for premium · super-premium.
ICICI Bank
4 reward points per ₹100 — Best for premium · travel · rewards.
IDFC FIRST Bank
3X on online; 2X offline — Best for online-shopping · rewards.
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