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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. 2X edge miles on ₹20K monthly — Best for miles · rewards.
Annual fee
Lifetime free
Visa · Bank of Baroda
Lifetime free. 1 reward point per ₹100 — Best for lifetime-free.
Annual fee
Lifetime free
American Express · ICICI Bank
3 reward points per ₹100 — Best for premium · luxury.
Annual fee
₹20,000
Axis Bank
Annual Fee
Lifetime Free
Reward Rate
2X edge miles on ₹20K monthly
Welcome Benefit
—
Bank of Baroda
Annual Fee
Lifetime Free
Reward Rate
1 reward point per ₹100
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 Select Credit CardVisa · Axis Bank | Bank of Baroda Empower Credit CardVisa · Bank of Baroda | ICICI Bank Bvlgari Credit CardAmerican Express · ICICI Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | Axis Bank | Bank of Baroda | ICICI Bank |
Card | |||
Annual fee | Lifetime Free | Lifetime Free | ₹20,000 |
Joining fee | ₹0 | ₹0 | ₹20,000 |
Reward rate | 2X edge miles on ₹20K monthly | 1 reward point per ₹100 | 3 reward points per ₹100Best |
Welcome benefit | — | — | — |
Lifetime free | Yes | Yes | No |
Network | Visa | Visa | American Express |
Best for | miles, rewards | lifetime-free | premium, luxury |
Apply |
Axis Bank
Lifetime free. 2X edge miles on ₹20K monthly — Best for miles · rewards.
Bank of Baroda
Lifetime free. 1 reward point per ₹100 — Best for lifetime-free.
ICICI Bank
3 reward points per ₹100 — Best for premium · luxury.
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