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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · HDFC Bank
5X rewards on Amazon/Flipkart/Myntra; 1X on others — Best for online-shopping · cashback.
Annual fee
₹1,000
Mastercard · ICICI Bank
4 reward points per ₹100 — Best for premium · travel · rewards.
Annual fee
₹12,000
Mastercard · SBI Card
5% cashback on top online brands; 1% on others — Best for cashback · online-shopping.
Annual fee
₹999
HDFC Bank
Annual Fee
₹1,000
Reward Rate
5X rewards on Amazon/Flipkart/Myntra; 1X on others
Welcome Benefit
—
ICICI Bank
Annual Fee
₹12,000
Reward Rate
4 reward points per ₹100
Welcome Benefit
—
SBI Card
Annual Fee
₹999
Reward Rate
5% cashback on top online brands; 1% on 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 | HDFC Bank Millennia Credit CardVisa · HDFC Bank | ICICI Emeralde Credit CardMastercard · ICICI Bank | SBI Cashback Credit CardMastercard · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | HDFC Bank | ICICI Bank | SBI Card |
Card | |||
Annual fee | ₹1,000 | ₹12,000 | ₹999Best |
Joining fee | ₹1,000 | ₹12,000 | ₹999Best |
Reward rate | 5X rewards on Amazon/Flipkart/Myntra; 1X on others | 4 reward points per ₹100Best | 5% cashback on top online brands; 1% on others |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | Visa | Mastercard | Mastercard |
Best for | online-shopping, cashback | premium, travel, rewards | cashback, online-shopping |
Apply |
HDFC Bank
5X rewards on Amazon/Flipkart/Myntra; 1X on others — Best for online-shopping · cashback.
ICICI Bank
4 reward points per ₹100 — Best for premium · travel · rewards.
SBI Card
5% cashback on top online brands; 1% on others — Best for cashback · online-shopping.
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