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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 · OneCard
Lifetime free. 5X rewards on top categories — Best for lifetime-free · app-driven · rewards.
Annual fee
Lifetime free
Visa · Standard Chartered
5% cashback on utilities — Best for bill-payments.
Annual fee
₹750
ICICI Bank
Annual Fee
Lifetime Free
Reward Rate
5% back for Prime on Amazon; 3% for non-Prime
Welcome Benefit
—
OneCard
Annual Fee
Lifetime Free
Reward Rate
5X rewards on top categories
Welcome Benefit
—
Standard Chartered
Annual Fee
₹750
Reward Rate
5% cashback on utilities
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 | OneCard RuPay Credit CardVisa · OneCard | Standard Chartered Super ValueTitanium Credit CardVisa · Standard Chartered |
|---|---|---|---|
Card image |  |  |  |
Provider | ICICI Bank | OneCard | Standard Chartered |
Card | |||
Annual fee | Lifetime Free | Lifetime Free | ₹750 |
Joining fee | ₹0 | ₹0 | ₹750 |
Reward rate | 5% back for Prime on Amazon; 3% for non-PrimeBest | 5X rewards on top categories | 5% cashback on utilities |
Welcome benefit | — | — | — |
Lifetime free | Yes | Yes | No |
Network | American Express | Visa | Visa |
Best for | online-shopping, amazon, lifetime-free | lifetime-free, app-driven, rewards, upi | bill-payments |
Apply |
ICICI Bank
Lifetime free. 5% back for Prime on Amazon; 3% for non-Prime — Best for online-shopping · amazon · lifetime-free.
OneCard
Lifetime free. 5X rewards on top categories — Best for lifetime-free · app-driven · rewards.
Standard Chartered
5% cashback on utilities — Best for bill-payments.
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