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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
Visa · ICICI Bank
Lifetime free. MMT Black membership; rewards on MMT — Best for travel · hotels.
Annual fee
Lifetime free
Visa · OneCard
Lifetime free. 5X rewards on top spending categories — Best for lifetime-free · app-driven · rewards.
Annual fee
Lifetime free
ICICI Bank
Annual Fee
₹12,000
Reward Rate
4 reward points per ₹100
Welcome Benefit
—
ICICI Bank
Annual Fee
Lifetime Free
Reward Rate
MMT Black membership; rewards on MMT
Welcome Benefit
—
OneCard
Annual Fee
Lifetime Free
Reward Rate
5X rewards on top spending categories
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 MakeMyTrip Credit CardVisa · ICICI Bank | OneCard Metal Credit CardVisa · OneCard |
|---|---|---|---|
Card image |  |  |  |
Provider | ICICI Bank | ICICI Bank | OneCard |
Card | |||
Annual fee | ₹12,000 | Lifetime Free | Lifetime Free |
Joining fee | ₹12,000 | ₹0 | ₹0 |
Reward rate | 4 reward points per ₹100Best | MMT Black membership; rewards on MMT | 5X rewards on top spending categories |
Welcome benefit | — | — | — |
Lifetime free | No | Yes | Yes |
Network | Mastercard | Visa | Visa |
Best for | premium, travel, rewards | travel, hotels | lifetime-free, app-driven, rewards |
Apply |
ICICI Bank
4 reward points per ₹100 — Best for premium · travel · rewards.
ICICI Bank
Lifetime free. MMT Black membership; rewards on MMT — Best for travel · hotels.
OneCard
Lifetime free. 5X rewards on top spending categories — Best for lifetime-free · app-driven · rewards.
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