We use analytics cookies to understand how visitors interact with our site. By continuing you agree to our use of cookies as described in our Privacy Policy.
3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Mastercard · ICICI Bank
2 reward points per ₹100 — Best for rewards · lifestyle.
Annual fee
₹3,000
Visa · IndusInd Bank
3 reward points per ₹100 — Best for rewards · premium.
Annual fee
₹3,000
Visa · Uni (SBM Bank)
Lifetime free. 1.5X rewards on all spends — Best for rewards · lifetime-free.
Annual fee
Lifetime free
ICICI Bank
Annual Fee
₹3,000
Reward Rate
2 reward points per ₹100
Welcome Benefit
—
IndusInd Bank
Annual Fee
₹3,000
Reward Rate
3 reward points per ₹100
Welcome Benefit
—
Uni (SBM Bank)
Annual Fee
Lifetime Free
Reward Rate
1.5X 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 Bank Gemstone Credit CardMastercard · ICICI Bank | IndusInd Bank Legend Credit CardVisa · IndusInd Bank | Uni Credit CardVisa · Uni (SBM Bank) |
|---|---|---|---|
Card image |  |  |  |
Provider | ICICI Bank | IndusInd Bank | Uni (SBM Bank) |
Card | |||
Annual fee | ₹3,000 | ₹3,000 | Lifetime FreeBest |
Joining fee | ₹3,000 | ₹3,000 | ₹0Best |
Reward rate | 2 reward points per ₹100 | 3 reward points per ₹100Best | 1.5X rewards on all spends |
Welcome benefit | — | — | — |
Lifetime free | No | No | YesBest |
Network | Mastercard | Visa | Visa |
Best for | rewards, lifestyle | rewards, premium | rewards, lifetime-free |
Apply |
ICICI Bank
2 reward points per ₹100 — Best for rewards · lifestyle.
IndusInd Bank
3 reward points per ₹100 — Best for rewards · premium.
Uni (SBM Bank)
Lifetime free. 1.5X rewards on all spends — Best for rewards · lifetime-free.
Related Guides
In-depth guides on rewards, lounge access, forex and more.
Related Comparisons
Compare any two cards side-by-side across 140+ issuers.
