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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
Lifetime free. 3X on top categories; 1X others — Best for lifetime-free · rewards · lounge-access.
Annual fee
Lifetime free
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
—
IDFC FIRST Bank
Annual Fee
Lifetime Free
Reward Rate
3X on top categories; 1X others
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 | IDFC FIRST Select Credit CardVisa · IDFC FIRST Bank | Niyo Global Credit CardVisa · Niyo (DCB Bank) |
|---|---|---|---|
Card image |  |  |  |
Provider | ICICI Bank | IDFC FIRST Bank | Niyo (DCB Bank) |
Card | |||
Annual fee | ₹12,000 | Lifetime Free | Lifetime Free |
Joining fee | ₹12,000 | ₹0 | ₹0 |
Reward rate | 4 reward points per ₹100Best | 3X on top categories; 1X others | 2X rewards on forex spends |
Welcome benefit | — | — | — |
Lifetime free | No | Yes | Yes |
Network | Mastercard | Visa | Visa |
Best for | premium, travel, rewards | lifetime-free, rewards, lounge-access | travel, lifetime-free |
Apply |
ICICI Bank
4 reward points per ₹100 — Best for premium · travel · rewards.
IDFC FIRST Bank
Lifetime free. 3X on top categories; 1X others — Best for lifetime-free · rewards · lounge-access.
Niyo (DCB Bank)
Lifetime free. 2X rewards on forex spends — Best for travel · lifetime-free.
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