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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · Federal Bank
Lifetime free. 1 reward point per ₹100 — Best for lifetime-free · rewards.
Annual fee
Lifetime free
Mastercard · ICICI Bank
5X rewards on HPCL fuel spends — Best for fuel.
Annual fee
₹500
Mastercard · SBI Card
6 Travel Credits for every ₹200 spent on travel; 2 Travel Credits for every ₹… — Best for .
Annual fee
₹4,999
Federal Bank
Annual Fee
Lifetime Free
Reward Rate
1 reward point per ₹100
Welcome Benefit
—
ICICI Bank
Annual Fee
₹500
Reward Rate
5X rewards on HPCL fuel spends
Welcome Benefit
—
SBI Card
Annual Fee
₹4,999
Reward Rate
6 Travel Credits for every ₹200 spent on travel; 2 Travel Credits for every ₹200 on all other spends; Travel Credits convertible to Air Miles / Hotel Points (1 TC = Re. 1) or used for Travel Bookings (1 TC = ₹0.50)
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 | Federal Bank Celebration Credit CardVisa · Federal Bank | ICICI HPCL Coral Credit CardMastercard · ICICI Bank | SBI Card MILES ELITEMastercard · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | Federal Bank | ICICI Bank | SBI Card |
Card | |||
Annual fee | Lifetime FreeBest | ₹500 | ₹4,999 |
Joining fee | ₹0Best | ₹500 | ₹4,999 |
Reward rate | 1 reward point per ₹100 | 5X rewards on HPCL fuel spends | 6 Travel Credits for every ₹200 spent on travel; 2 Travel Credits for every ₹200 on all other spends; Travel Credits convertible to Air Miles / Hotel Points (1 TC = Re. 1) or used for Travel Bookings (1 TC = ₹0.50)Best |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | Visa | Mastercard | Mastercard |
Best for | lifetime-free, rewards | fuel | — |
Apply |
Federal Bank
Lifetime free. 1 reward point per ₹100 — Best for lifetime-free · rewards.
ICICI Bank
5X rewards on HPCL fuel spends — Best for fuel.
SBI Card
6 Travel Credits for every ₹200 spent on travel; 2 Travel Credits for every ₹… — Best for .
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