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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
American Express · ICICI Bank
Lifetime free. 5% back for Prime on Amazon; 3% for non-Prime — Best for online-shopping · amazon · lifetime-free.
Annual fee
Lifetime free
Visa · IDFC FIRST Bank
3X on online; 2X offline — Best for online-shopping · rewards.
Annual fee
₹1,000
Visa · SBI Card
10X rewards on partner online brands; 1X on others — Best for online-shopping · rewards.
Annual fee
₹499
ICICI Bank
Annual Fee
Lifetime Free
Reward Rate
5% back for Prime on Amazon; 3% for non-Prime
Welcome Benefit
—
IDFC FIRST Bank
Annual Fee
₹1,000
Reward Rate
3X on online; 2X offline
Welcome Benefit
—
SBI Card
Annual Fee
₹499
Reward Rate
10X rewards on partner online brands; 1X 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 | ICICI Amazon Pay Credit CardAmerican Express · ICICI Bank | IDFC FIRST Millennia Credit CardVisa · IDFC FIRST Bank | SBI SimplyCLICK Credit CardVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | ICICI Bank | IDFC FIRST Bank | SBI Card |
Card | |||
Annual fee | Lifetime FreeBest | ₹1,000 | ₹499 |
Joining fee | ₹0Best | ₹1,000 | ₹499 |
Reward rate | 5% back for Prime on Amazon; 3% for non-Prime | 3X on online; 2X offline | 10X rewards on partner online brands; 1X on othersBest |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | American Express | Visa | Visa |
Best for | online-shopping, amazon, lifetime-free | online-shopping, rewards | online-shopping, rewards |
Apply |
ICICI Bank
Lifetime free. 5% back for Prime on Amazon; 3% for non-Prime — Best for online-shopping · amazon · lifetime-free.
IDFC FIRST Bank
3X on online; 2X offline — Best for online-shopping · rewards.
SBI Card
10X rewards on partner online brands; 1X on others — Best for online-shopping · rewards.
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