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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 · SBI Card
5% cashback on top online brands; 1% on others — Best for cashback · online-shopping.
Annual fee
₹999
Visa · Standard Chartered
5% cashback on utilities — Best for bill-payments.
Annual fee
₹750
ICICI Bank
Annual Fee
₹20,000
Reward Rate
3 reward points per ₹100
Welcome Benefit
—
SBI Card
Annual Fee
₹999
Reward Rate
5% cashback on top online brands; 1% on others
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 Bank Bvlgari Credit CardAmerican Express · ICICI Bank | SBI Cashback Credit CardMastercard · SBI Card | Standard Chartered Super ValueTitanium Credit CardVisa · Standard Chartered |
|---|---|---|---|
Card image |  |  |  |
Provider | ICICI Bank | SBI Card | Standard Chartered |
Card | |||
Annual fee | ₹20,000 | ₹999 | ₹750Best |
Joining fee | ₹20,000 | ₹999 | ₹750Best |
Reward rate | 3 reward points per ₹100Best | 5% cashback on top online brands; 1% on others | 5% cashback on utilities |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | American Express | Mastercard | Visa |
Best for | premium, luxury | cashback, online-shopping | bill-payments |
Apply |
ICICI Bank
3 reward points per ₹100 — Best for premium · luxury.
SBI Card
5% cashback on top online brands; 1% on others — Best for cashback · online-shopping.
Standard Chartered
5% cashback on utilities — Best for bill-payments.
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