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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 · Kotak Mahindra Bank
4X rewards on selected spends — Best for rewards · premium.
Annual fee
₹3,000
Visa · OneCard
Lifetime free. 5X rewards on top categories — Best for lifetime-free · app-driven · rewards.
Annual fee
Lifetime free
ICICI Bank
Annual Fee
Lifetime Free
Reward Rate
5% back for Prime on Amazon; 3% for non-Prime
Welcome Benefit
—
Kotak Mahindra Bank
Annual Fee
₹3,000
Reward Rate
4X rewards on selected spends
Welcome Benefit
—
OneCard
Annual Fee
Lifetime Free
Reward Rate
5X rewards on top categories
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 | Kotak White Reserve Credit CardVisa · Kotak Mahindra Bank | OneCard RuPay Credit CardVisa · OneCard |
|---|---|---|---|
Card image |  |  |  |
Provider | ICICI Bank | Kotak Mahindra Bank | OneCard |
Card | |||
Annual fee | Lifetime Free | ₹3,000 | Lifetime Free |
Joining fee | ₹0 | ₹3,000 | ₹0 |
Reward rate | 5% back for Prime on Amazon; 3% for non-PrimeBest | 4X rewards on selected spends | 5X rewards on top categories |
Welcome benefit | — | — | — |
Lifetime free | Yes | No | Yes |
Network | American Express | Visa | Visa |
Best for | online-shopping, amazon, lifetime-free | rewards, premium | lifetime-free, app-driven, rewards, upi |
Apply |
ICICI Bank
Lifetime free. 5% back for Prime on Amazon; 3% for non-Prime — Best for online-shopping · amazon · lifetime-free.
Kotak Mahindra Bank
4X rewards on selected spends — Best for rewards · premium.
OneCard
Lifetime free. 5X rewards on top categories — Best for lifetime-free · app-driven · rewards.
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