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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
RuPay · Federal Bank
Lifetime free. 2X rewards on UPI — Best for rewards · upi · lifetime-free.
Annual fee
Lifetime free
Mastercard · ICICI Bank
2 reward points per ₹100 — Best for rewards · lifestyle.
Annual fee
₹3,000
Mastercard · RBL Bank
5X reward points on all spends — Best for premium · rewards.
Annual fee
₹10,000
Federal Bank
Annual Fee
Lifetime Free
Reward Rate
2X rewards on UPI
Welcome Benefit
—
ICICI Bank
Annual Fee
₹3,000
Reward Rate
2 reward points per ₹100
Welcome Benefit
—
RBL Bank
Annual Fee
₹10,000
Reward Rate
5X 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 | Federal Bank RuPay Credit CardRuPay · Federal Bank | ICICI Bank Gemstone Credit CardMastercard · ICICI Bank | RBL Bank Infinite Credit CardMastercard · RBL Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | Federal Bank | ICICI Bank | RBL Bank |
Card | |||
Annual fee | Lifetime FreeBest | ₹3,000 | ₹10,000 |
Joining fee | ₹0Best | ₹3,000 | ₹10,000 |
Reward rate | 2X rewards on UPI | 2 reward points per ₹100Best | 5X reward points on all spends |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | RuPay | Mastercard | Mastercard |
Best for | rewards, upi, lifetime-free | rewards, lifestyle | premium, rewards |
Apply |
Federal Bank
Lifetime free. 2X rewards on UPI — Best for rewards · upi · lifetime-free.
ICICI Bank
2 reward points per ₹100 — Best for rewards · lifestyle.
RBL Bank
5X reward points on all spends — Best for premium · rewards.
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