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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Mastercard · ICICI Bank
Lifetime free. 2X rewards on dining & lifestyle — Best for dining · lifestyle.
Annual fee
Lifetime free
Visa · SBI Card
1-year FITPASS PRO + Apollo 24|7 e-Gift Voucher
Annual fee
₹1,499
Visa · Standard Chartered
5x on travel & dining; 1x others — Best for travel · dining · lounge-access.
Annual fee
₹5,000
ICICI Bank
Annual Fee
Lifetime Free
Reward Rate
2X rewards on dining & lifestyle
Welcome Benefit
—
SBI Card
Annual Fee
₹1,499
Reward Rate
5 reward points per ₹100 on Apollo 24|7, pharmacy, and hospital spends; 1 reward point per ₹100 elsewhere
Welcome Benefit
1-year FITPASS PRO membership + Apollo 24|7 e-Gift Voucher on joining
Standard Chartered
Annual Fee
₹5,000
Reward Rate
5x on travel & dining; 1x others
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 Femina Credit CardMastercard · ICICI Bank | Apollo SBI Card SELECTVisa · SBI Card | Standard Chartered Ultimate Credit CardVisa · Standard Chartered |
|---|---|---|---|
Card image |  |  |  |
Provider | ICICI Bank | SBI Card | Standard Chartered |
Card | |||
Annual fee | Lifetime FreeBest | ₹1,499 | ₹5,000 |
Joining fee | ₹0Best | ₹1,499 | ₹5,000 |
Reward rate | 2X rewards on dining & lifestyle | 5 reward points per ₹100 on Apollo 24|7, pharmacy, and hospital spends; 1 reward point per ₹100 elsewhereBest | 5x on travel & dining; 1x others |
Welcome benefit | — | 1-year FITPASS PRO membership + Apollo 24|7 e-Gift Voucher on joining | — |
Lifetime free | YesBest | No | No |
Network | Mastercard | Visa | Visa |
Best for | dining, lifestyle | healthcare, lifestyle | travel, dining, lounge-access |
Apply |
ICICI Bank
Lifetime free. 2X rewards on dining & lifestyle — Best for dining · lifestyle.
SBI Card
1-year FITPASS PRO + Apollo 24|7 e-Gift Voucher
Standard Chartered
5x on travel & dining; 1x others — Best for travel · dining · lounge-access.
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