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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Mastercard · HDFC Bank
2 reward points per ₹150 — Best for rewards · everyday.
Annual fee
₹500
American Express · ICICI Bank
3 reward points per ₹100 — Best for premium · luxury.
Annual fee
₹20,000
Visa · ICICI Bank
Lifetime free. 5% NeuCoins on Tata spends — Best for online-shopping · lifetime-free.
Annual fee
Lifetime free
HDFC Bank
Annual Fee
₹500
Reward Rate
2 reward points per ₹150
Welcome Benefit
—
ICICI Bank
Annual Fee
₹20,000
Reward Rate
3 reward points per ₹100
Welcome Benefit
—
ICICI Bank
Annual Fee
Lifetime Free
Reward Rate
5% NeuCoins on Tata 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 | HDFC Bank Bharat Credit CardMastercard · HDFC Bank | ICICI Bank Bvlgari Credit CardAmerican Express · ICICI Bank | ICICI Bank Tata Neu Credit CardVisa · ICICI Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | HDFC Bank | ICICI Bank | ICICI Bank |
Card | |||
Annual fee | ₹500 | ₹20,000 | Lifetime FreeBest |
Joining fee | ₹500 | ₹20,000 | ₹0Best |
Reward rate | 2 reward points per ₹150 | 3 reward points per ₹100Best | 5% NeuCoins on Tata spends |
Welcome benefit | — | — | — |
Lifetime free | No | No | YesBest |
Network | Mastercard | American Express | Visa |
Best for | rewards, everyday | premium, luxury | online-shopping, lifetime-free |
Apply |
HDFC Bank
2 reward points per ₹150 — Best for rewards · everyday.
ICICI Bank
3 reward points per ₹100 — Best for premium · luxury.
ICICI Bank
Lifetime free. 5% NeuCoins on Tata spends — Best for online-shopping · lifetime-free.
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