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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
Mastercard · ICICI Bank
2 reward points per ₹100 — Best for rewards · lifestyle.
Annual fee
₹3,000
Mastercard · IDFC FIRST Bank
10X reward points on all spends — Best for rewards · premium.
Annual fee
₹5,000
DBS Bank India
Annual Fee
₹500
Reward Rate
10% cashback on online
Welcome Benefit
—
ICICI Bank
Annual Fee
₹3,000
Reward Rate
2 reward points per ₹100
Welcome Benefit
—
IDFC FIRST Bank
Annual Fee
₹5,000
Reward Rate
10X 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 Gemstone Credit CardMastercard · ICICI Bank | IDFC FIRST Ashva Credit CardMastercard · IDFC FIRST Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | DBS Bank India | ICICI Bank | IDFC FIRST Bank |
Card | |||
Annual fee | ₹500Best | ₹3,000 | ₹5,000 |
Joining fee | ₹500Best | ₹3,000 | ₹5,000 |
Reward rate | 10% cashback on online | 2 reward points per ₹100Best | 10X reward points on all spends |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | Mastercard | Mastercard | Mastercard |
Best for | online-shopping, cashback | rewards, lifestyle | rewards, premium |
Apply |
DBS Bank India
10% cashback on online — Best for online-shopping · cashback.
ICICI Bank
2 reward points per ₹100 — Best for rewards · lifestyle.
IDFC FIRST Bank
10X reward points on all spends — Best for rewards · premium.
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