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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
Mastercard · ICICI Bank
2 reward points per ₹100 — Best for rewards · lifestyle.
Annual fee
₹3,000
Visa · Uni (SBM Bank)
Lifetime free. 1.5X rewards on all spends — Best for rewards · lifetime-free.
Annual fee
Lifetime free
Axis Bank
Annual Fee
₹500
Reward Rate
10% cashback on Swiggy
Welcome Benefit
—
ICICI Bank
Annual Fee
₹3,000
Reward Rate
2 reward points per ₹100
Welcome Benefit
—
Uni (SBM Bank)
Annual Fee
Lifetime Free
Reward Rate
1.5X rewards on all spends
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 Gemstone Credit CardMastercard · ICICI Bank | Uni Credit CardVisa · Uni (SBM Bank) |
|---|---|---|---|
Card image |  |  |  |
Provider | Axis Bank | ICICI Bank | Uni (SBM Bank) |
Card | |||
Annual fee | ₹500 | ₹3,000 | Lifetime FreeBest |
Joining fee | ₹500 | ₹3,000 | ₹0Best |
Reward rate | 10% cashback on Swiggy | 2 reward points per ₹100Best | 1.5X rewards on all spends |
Welcome benefit | — | — | — |
Lifetime free | No | No | YesBest |
Network | Visa | Mastercard | Visa |
Best for | food-delivery, cashback | rewards, lifestyle | rewards, lifetime-free |
Apply |
Axis Bank
10% cashback on Swiggy — Best for food-delivery · cashback.
ICICI Bank
2 reward points per ₹100 — Best for rewards · lifestyle.
Uni (SBM Bank)
Lifetime free. 1.5X rewards on all spends — Best for rewards · lifetime-free.
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