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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Mastercard · ICICI Bank
4 reward points per ₹100 — Best for premium · travel · rewards.
Annual fee
₹12,000
Mastercard · ICICI Bank
5X rewards on HPCL fuel spends — Best for fuel.
Annual fee
₹500
Visa · Niyo (DCB Bank)
Lifetime free. 2X rewards on forex spends — Best for travel · lifetime-free.
Annual fee
Lifetime free
ICICI Bank
Annual Fee
₹12,000
Reward Rate
4 reward points per ₹100
Welcome Benefit
—
ICICI Bank
Annual Fee
₹500
Reward Rate
5X rewards on HPCL fuel spends
Welcome Benefit
—
Niyo (DCB Bank)
Annual Fee
Lifetime Free
Reward Rate
2X rewards on forex 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 Emeralde Credit CardMastercard · ICICI Bank | ICICI HPCL Coral Credit CardMastercard · ICICI Bank | Niyo Global Credit CardVisa · Niyo (DCB Bank) |
|---|---|---|---|
Card image |  |  |  |
Provider | ICICI Bank | ICICI Bank | Niyo (DCB Bank) |
Card | |||
Annual fee | ₹12,000 | ₹500 | Lifetime FreeBest |
Joining fee | ₹12,000 | ₹500 | ₹0Best |
Reward rate | 4 reward points per ₹100Best | 5X rewards on HPCL fuel spends | 2X rewards on forex spends |
Welcome benefit | — | — | — |
Lifetime free | No | No | YesBest |
Network | Mastercard | Mastercard | Visa |
Best for | premium, travel, rewards | fuel | travel, lifetime-free |
Apply |
ICICI Bank
4 reward points per ₹100 — Best for premium · travel · rewards.
ICICI Bank
5X rewards on HPCL fuel spends — Best for fuel.
Niyo (DCB Bank)
Lifetime free. 2X rewards on forex spends — Best for travel · lifetime-free.
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