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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · Federal Bank
2 reward points per ₹100 — Best for rewards.
Annual fee
₹1,500
American Express · ICICI Bank
4 reward points per ₹100 — Best for premium · travel · rewards.
Annual fee
₹6,500
Visa · Uni (SBM Bank)
Lifetime free. 1.5X rewards on all spends — Best for rewards · lifetime-free.
Annual fee
Lifetime free
Federal Bank
Annual Fee
₹1,500
Reward Rate
2 reward points per ₹100
Welcome Benefit
—
ICICI Bank
Annual Fee
₹6,500
Reward Rate
4 reward points per ₹100
Welcome Benefit
—
Uni (SBM Bank)
Annual Fee
Lifetime Free
Reward Rate
1.5X rewards 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 Visa Signature Credit CardVisa · Federal Bank | ICICI Sapphiro Credit CardAmerican Express · ICICI Bank | Uni Credit CardVisa · Uni (SBM Bank) |
|---|---|---|---|
Card image |  |  |  |
Provider | Federal Bank | ICICI Bank | Uni (SBM Bank) |
Card | |||
Annual fee | ₹1,500 | ₹6,500 | Lifetime FreeBest |
Joining fee | ₹1,500 | ₹6,500 | ₹0Best |
Reward rate | 2 reward points per ₹100 | 4 reward points per ₹100Best | 1.5X rewards on all spends |
Welcome benefit | — | — | — |
Lifetime free | No | No | YesBest |
Network | Visa | American Express | Visa |
Best for | rewards | premium, travel, rewards | rewards, lifetime-free |
Apply |
Federal Bank
2 reward points per ₹100 — Best for rewards.
ICICI Bank
4 reward points per ₹100 — Best for premium · travel · rewards.
Uni (SBM Bank)
Lifetime free. 1.5X rewards on all spends — Best for rewards · lifetime-free.
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