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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Mastercard · DBS Bank India
10% cashback on online — Best for online-shopping · 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 reward points on all spends — Best for lifetime-free · rewards · beginners.
Annual fee
Lifetime free
DBS Bank India
Annual Fee
₹500
Reward Rate
10% cashback on online
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 reward points 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 | DBS Shop Easy Credit CardMastercard · DBS Bank India | ICICI Bank Bvlgari Credit CardAmerican Express · ICICI Bank | IDFC FIRST Classic Credit CardVisa · IDFC FIRST Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | DBS Bank India | ICICI Bank | IDFC FIRST Bank |
Card | |||
Annual fee | ₹500 | ₹20,000 | Lifetime FreeBest |
Joining fee | ₹500 | ₹20,000 | ₹0Best |
Reward rate | 10% cashback on online | 3 reward points per ₹100Best | 3X reward points on all spends |
Welcome benefit | — | — | — |
Lifetime free | No | No | YesBest |
Network | Mastercard | American Express | Visa |
Best for | online-shopping, cashback | premium, luxury | lifetime-free, rewards, beginners |
Apply |
DBS Bank India
10% cashback on online — Best for online-shopping · cashback.
ICICI Bank
3 reward points per ₹100 — Best for premium · luxury.
IDFC FIRST Bank
Lifetime free. 3X reward points on all spends — Best for lifetime-free · rewards · beginners.
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