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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · Axis Bank
10% cashback on Swiggy — Best for food-delivery · cashback.
Annual fee
₹500
American Express · ICICI Bank
3 reward points per ₹100 — Best for premium · luxury.
Annual fee
₹20,000
Visa · IDFC FIRST Bank
Lifetime free. 3X rewards + wealth benefits — Best for lifetime-free · rewards · premium.
Annual fee
Lifetime free
Axis Bank
Annual Fee
₹500
Reward Rate
10% cashback on Swiggy
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 rewards + wealth benefits
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 Swiggy Credit CardVisa · Axis Bank | ICICI Bank Bvlgari Credit CardAmerican Express · ICICI Bank | IDFC FIRST Wealth Credit CardVisa · IDFC FIRST Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | Axis Bank | ICICI Bank | IDFC FIRST Bank |
Card | |||
Annual fee | ₹500 | ₹20,000 | Lifetime FreeBest |
Joining fee | ₹500 | ₹20,000 | ₹0Best |
Reward rate | 10% cashback on Swiggy | 3 reward points per ₹100Best | 3X rewards + wealth benefits |
Welcome benefit | — | — | — |
Lifetime free | No | No | YesBest |
Network | Visa | American Express | Visa |
Best for | food-delivery, cashback | premium, luxury | lifetime-free, rewards, premium |
Apply |
Axis Bank
10% cashback on Swiggy — Best for food-delivery · cashback.
ICICI Bank
3 reward points per ₹100 — Best for premium · luxury.
IDFC FIRST Bank
Lifetime free. 3X rewards + wealth benefits — Best for lifetime-free · rewards · premium.
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