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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 · 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
Lifetime Free
Reward Rate
2X edge miles on ₹20K monthly
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 Select Credit CardVisa · 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 | Lifetime Free | Lifetime Free | ₹6,500 |
Joining fee | ₹0 | ₹0 | ₹6,500 |
Reward rate | 2X edge miles on ₹20K monthly | 2X rewards per ₹100 | 4 reward points per ₹100Best |
Welcome benefit | — | — | — |
Lifetime free | Yes | Yes | No |
Network | Visa | Visa | American Express |
Best for | miles, rewards | lifetime-free, rewards | premium, travel, rewards |
Apply |
Axis Bank
Lifetime free. 2X edge miles on ₹20K monthly — Best for miles · rewards.
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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