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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
Mastercard · IDFC FIRST Bank
10X reward points on all spends — Best for rewards · premium.
Annual fee
₹5,000
Visa · Kotak Mahindra Bank
Lifetime free. 2X rewards on UPI spends — Best for rewards · upi · lifetime-free.
Annual fee
Lifetime free
ICICI Bank
Annual Fee
₹20,000
Reward Rate
3 reward points per ₹100
Welcome Benefit
—
IDFC FIRST Bank
Annual Fee
₹5,000
Reward Rate
10X reward points on all spends
Welcome Benefit
—
Kotak Mahindra Bank
Annual Fee
Lifetime Free
Reward Rate
2X rewards on UPI 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 | ICICI Bank Bvlgari Credit CardAmerican Express · ICICI Bank | IDFC FIRST Ashva Credit CardMastercard · IDFC FIRST Bank | Kotak RuPay Credit CardVisa · Kotak Mahindra Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | ICICI Bank | IDFC FIRST Bank | Kotak Mahindra Bank |
Card | |||
Annual fee | ₹20,000 | ₹5,000 | Lifetime FreeBest |
Joining fee | ₹20,000 | ₹5,000 | ₹0Best |
Reward rate | 3 reward points per ₹100Best | 10X reward points on all spends | 2X rewards on UPI spends |
Welcome benefit | — | — | — |
Lifetime free | No | No | YesBest |
Network | American Express | Mastercard | Visa |
Best for | premium, luxury | rewards, premium | rewards, upi, lifetime-free |
Apply |
ICICI Bank
3 reward points per ₹100 — Best for premium · luxury.
IDFC FIRST Bank
10X reward points on all spends — Best for rewards · premium.
Kotak Mahindra Bank
Lifetime free. 2X rewards on UPI spends — Best for rewards · upi · lifetime-free.
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