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