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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · HSBC India
Lifetime free. 2X rewards per ₹100 — Best for lifetime-free · rewards.
Annual fee
Lifetime free
Mastercard · ICICI Bank
4 reward points per ₹100 — Best for premium · travel · rewards.
Annual fee
₹12,000
Mastercard · IDFC FIRST Bank
10X reward points on all spends — Best for rewards · premium.
Annual fee
₹5,000
HSBC India
Annual Fee
Lifetime Free
Reward Rate
2X rewards per ₹100
Welcome Benefit
—
ICICI Bank
Annual Fee
₹12,000
Reward Rate
4 reward points per ₹100
Welcome Benefit
—
IDFC FIRST Bank
Annual Fee
₹5,000
Reward Rate
10X 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 | HSBC Visa Platinum Credit CardVisa · HSBC India | ICICI Emeralde Credit CardMastercard · ICICI Bank | IDFC FIRST Ashva Credit CardMastercard · IDFC FIRST Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | HSBC India | ICICI Bank | IDFC FIRST Bank |
Card | |||
Annual fee | Lifetime FreeBest | ₹12,000 | ₹5,000 |
Joining fee | ₹0Best | ₹12,000 | ₹5,000 |
Reward rate | 2X rewards per ₹100 | 4 reward points per ₹100Best | 10X reward points on all spends |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | Visa | Mastercard | Mastercard |
Best for | lifetime-free, rewards | premium, travel, rewards | rewards, premium |
Apply |
HSBC India
Lifetime free. 2X rewards per ₹100 — Best for lifetime-free · rewards.
ICICI Bank
4 reward points per ₹100 — Best for premium · travel · rewards.
IDFC FIRST Bank
10X reward points on all spends — Best for rewards · premium.
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