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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
American Express · ICICI Bank
3 reward points per ₹100 — Best for premium · luxury.
Annual fee
₹20,000
American Express · ICICI Bank
4 reward points per ₹100 — Best for premium · travel · rewards.
Annual fee
₹6,500
Visa · IDFC FIRST Bank
3X on online; 2X offline — Best for online-shopping · rewards.
Annual fee
₹1,000
ICICI Bank
Annual Fee
₹20,000
Reward Rate
3 reward points per ₹100
Welcome Benefit
—
ICICI Bank
Annual Fee
₹6,500
Reward Rate
4 reward points per ₹100
Welcome Benefit
—
IDFC FIRST Bank
Annual Fee
₹1,000
Reward Rate
3X on online; 2X offline
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 Bank Bvlgari Credit CardAmerican Express · ICICI Bank | ICICI Sapphiro Credit CardAmerican Express · ICICI Bank | IDFC FIRST Millennia Credit CardVisa · IDFC FIRST Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | ICICI Bank | ICICI Bank | IDFC FIRST Bank |
Card | |||
Annual fee | ₹20,000 | ₹6,500 | ₹1,000Best |
Joining fee | ₹20,000 | ₹6,500 | ₹1,000Best |
Reward rate | 3 reward points per ₹100 | 4 reward points per ₹100Best | 3X on online; 2X offline |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | American Express | American Express | Visa |
Best for | premium, luxury | premium, travel, rewards | online-shopping, rewards |
Apply |
ICICI Bank
3 reward points per ₹100 — Best for premium · luxury.
ICICI Bank
4 reward points per ₹100 — Best for premium · travel · rewards.
IDFC FIRST Bank
3X on online; 2X offline — Best for online-shopping · rewards.
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