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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 · IDFC FIRST Bank
3X on online; 2X offline — Best for online-shopping · rewards.
Annual fee
₹1,000
Mastercard · IndusInd Bank
2X rewards on all spends — Best for rewards.
Annual fee
₹1,500
ICICI Bank
Annual Fee
₹12,000
Reward Rate
4 reward points per ₹100
Welcome Benefit
—
IDFC FIRST Bank
Annual Fee
₹1,000
Reward Rate
3X on online; 2X offline
Welcome Benefit
—
IndusInd Bank
Annual Fee
₹1,500
Reward Rate
2X rewards on all 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 | IDFC FIRST Millennia Credit CardVisa · IDFC FIRST Bank | IndusInd Bank Duo Credit CardMastercard · IndusInd Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | ICICI Bank | IDFC FIRST Bank | IndusInd Bank |
Card | |||
Annual fee | ₹12,000 | ₹1,000Best | ₹1,500 |
Joining fee | ₹12,000 | ₹1,000Best | ₹1,500 |
Reward rate | 4 reward points per ₹100Best | 3X on online; 2X offline | 2X rewards on all spends |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | Mastercard | Visa | Mastercard |
Best for | premium, travel, rewards | online-shopping, rewards | rewards |
Apply |
ICICI Bank
4 reward points per ₹100 — Best for premium · travel · rewards.
IDFC FIRST Bank
3X on online; 2X offline — Best for online-shopping · rewards.
IndusInd Bank
2X rewards on all spends — Best for rewards.
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