We use analytics cookies to understand how visitors interact with our site. By continuing you agree to our use of cookies as described in our Privacy Policy.
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
Visa · ICICI Bank
2 reward points per ₹100 — Best for rewards.
Annual fee
₹3,000
Visa · IDFC FIRST Bank
Lifetime free. 3X on top categories; 1X others — Best for lifetime-free · rewards · lounge-access.
Annual fee
Lifetime free
Federal Bank
Annual Fee
Lifetime Free
Reward Rate
1 reward point per ₹100
Welcome Benefit
—
ICICI Bank
Annual Fee
₹3,000
Reward Rate
2 reward points per ₹100
Welcome Benefit
—
IDFC FIRST Bank
Annual Fee
Lifetime Free
Reward Rate
3X on top categories; 1X others
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 Bank Rubyx Credit CardVisa · ICICI Bank | IDFC FIRST Select Credit CardVisa · IDFC FIRST Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | Federal Bank | ICICI Bank | IDFC FIRST Bank |
Card | |||
Annual fee | Lifetime Free | ₹3,000 | Lifetime Free |
Joining fee | ₹0 | ₹3,000 | ₹0 |
Reward rate | 1 reward point per ₹100 | 2 reward points per ₹100Best | 3X on top categories; 1X others |
Welcome benefit | — | — | — |
Lifetime free | Yes | No | Yes |
Network | Visa | Visa | Visa |
Best for | lifetime-free, rewards | rewards | lifetime-free, rewards, lounge-access |
Apply |
Federal Bank
Lifetime free. 1 reward point per ₹100 — Best for lifetime-free · rewards.
ICICI Bank
2 reward points per ₹100 — Best for rewards.
IDFC FIRST Bank
Lifetime free. 3X on top categories; 1X others — Best for lifetime-free · rewards · lounge-access.
Related Guides
In-depth guides on rewards, lounge access, forex and more.
Related Comparisons
Compare any two cards side-by-side across 140+ issuers.
