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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Mastercard · DBS Bank India
Lifetime free. 5X on online & 2X offline — Best for online-shopping · lifetime-free.
Annual fee
Lifetime free
American Express · ICICI Bank
4 reward points per ₹100 — Best for premium · travel · rewards.
Annual fee
₹6,500
Visa · IDFC FIRST Bank
3X on online; 2X offline — Best for online-shopping · rewards.
Annual fee
₹1,000
DBS Bank India
Annual Fee
Lifetime Free
Reward Rate
5X on online & 2X offline
Welcome Benefit
—
ICICI Bank
Annual Fee
₹6,500
Reward Rate
4 reward points per ₹100
Welcome Benefit
—
IDFC FIRST Bank
Annual Fee
₹1,000
Reward Rate
3X on online; 2X offline
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 | DBS Live Fresh Credit CardMastercard · DBS Bank India | ICICI Sapphiro Credit CardAmerican Express · ICICI Bank | IDFC FIRST Millennia Credit CardVisa · IDFC FIRST Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | DBS Bank India | ICICI Bank | IDFC FIRST Bank |
Card | |||
Annual fee | Lifetime FreeBest | ₹6,500 | ₹1,000 |
Joining fee | ₹0Best | ₹6,500 | ₹1,000 |
Reward rate | 5X on online & 2X offline | 4 reward points per ₹100Best | 3X on online; 2X offline |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | Mastercard | American Express | Visa |
Best for | online-shopping, lifetime-free | premium, travel, rewards | online-shopping, rewards |
Apply |
DBS Bank India
Lifetime free. 5X on online & 2X offline — Best for online-shopping · lifetime-free.
ICICI Bank
4 reward points per ₹100 — Best for premium · travel · rewards.
IDFC FIRST Bank
3X on online; 2X offline — Best for online-shopping · rewards.
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