We use analytics cookies to understand how visitors interact with our site. By continuing you agree to our use of cookies as described in our Privacy Policy.
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
Visa · IDFC FIRST Bank
3X on online; 2X offline — Best for online-shopping · rewards.
Annual fee
₹1,000
Mastercard · RBL Bank
Lifetime free. 2X reward points on online — Best for online-shopping · 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
₹1,000
Reward Rate
3X on online; 2X offline
Welcome Benefit
—
RBL Bank
Annual Fee
Lifetime Free
Reward Rate
2X reward points on online
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 Millennia Credit CardVisa · IDFC FIRST Bank | RBL Bank ShopRite Credit CardMastercard · RBL Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | ICICI Bank | IDFC FIRST Bank | RBL Bank |
Card | |||
Annual fee | ₹20,000 | ₹1,000 | Lifetime FreeBest |
Joining fee | ₹20,000 | ₹1,000 | ₹0Best |
Reward rate | 3 reward points per ₹100Best | 3X on online; 2X offline | 2X reward points on online |
Welcome benefit | — | — | — |
Lifetime free | No | No | YesBest |
Network | American Express | Visa | Mastercard |
Best for | premium, luxury | online-shopping, rewards | online-shopping, lifetime-free |
Apply |
ICICI Bank
3 reward points per ₹100 — Best for premium · luxury.
IDFC FIRST Bank
3X on online; 2X offline — Best for online-shopping · rewards.
RBL Bank
Lifetime free. 2X reward points on online — Best for online-shopping · lifetime-free.
Related Guides
In-depth guides on rewards, lounge access, forex and more.
Related Comparisons
Compare any two cards side-by-side across 140+ issuers.
