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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 · Uni (SBM Bank)
Lifetime free. 1.5X rewards on all spends — Best for rewards · lifetime-free.
Annual fee
Lifetime free
Visa · Yes Bank
Lifetime free. 2X reward points 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
—
Uni (SBM Bank)
Annual Fee
Lifetime Free
Reward Rate
1.5X rewards on all spends
Welcome Benefit
—
Yes Bank
Annual Fee
Lifetime Free
Reward Rate
2X reward points 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 | Uni Credit CardVisa · Uni (SBM Bank) | Yes Bank YES Prosperity Credit CardVisa · Yes Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | ICICI Bank | Uni (SBM Bank) | Yes Bank |
Card | |||
Annual fee | ₹3,000 | Lifetime Free | Lifetime Free |
Joining fee | ₹3,000 | ₹0 | ₹0 |
Reward rate | 2 reward points per ₹100Best | 1.5X rewards on all spends | 2X reward points on all spends |
Welcome benefit | — | — | — |
Lifetime free | No | Yes | Yes |
Network | Mastercard | Visa | Visa |
Best for | rewards, lifestyle | rewards, lifetime-free | rewards, lifetime-free |
Apply |
ICICI Bank
2 reward points per ₹100 — Best for rewards · lifestyle.
Uni (SBM Bank)
Lifetime free. 1.5X rewards on all spends — Best for rewards · lifetime-free.
Yes Bank
Lifetime free. 2X reward points on all spends — Best for rewards · lifetime-free.
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