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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
Visa · IDFC FIRST Bank
Lifetime free. 3X on top categories; 1X others — Best for lifetime-free · rewards · lounge-access.
Annual fee
Lifetime free
Visa · Punjab National Bank
10X rewards on international travel — Best for travel.
Annual fee
₹2,000
ICICI Bank
Annual Fee
₹20,000
Reward Rate
3 reward points per ₹100
Welcome Benefit
—
IDFC FIRST Bank
Annual Fee
Lifetime Free
Reward Rate
3X on top categories; 1X others
Welcome Benefit
—
Punjab National Bank
Annual Fee
₹2,000
Reward Rate
10X rewards on international travel
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 Select Credit CardVisa · IDFC FIRST Bank | Punjab National Bank Global Credit CardVisa · Punjab National Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | ICICI Bank | IDFC FIRST Bank | Punjab National Bank |
Card | |||
Annual fee | ₹20,000 | Lifetime FreeBest | ₹2,000 |
Joining fee | ₹20,000 | ₹0Best | ₹2,000 |
Reward rate | 3 reward points per ₹100Best | 3X on top categories; 1X others | 10X rewards on international travel |
Welcome benefit | — | — | — |
Lifetime free | No | YesBest | No |
Network | American Express | Visa | Visa |
Best for | premium, luxury | lifetime-free, rewards, lounge-access | travel |
Apply |
ICICI Bank
3 reward points per ₹100 — Best for premium · luxury.
IDFC FIRST Bank
Lifetime free. 3X on top categories; 1X others — Best for lifetime-free · rewards · lounge-access.
Punjab National Bank
10X rewards on international travel — Best for travel.
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