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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · ICICI Bank
Lifetime free. MMT Black membership; rewards on MMT — Best for travel · hotels.
Annual fee
Lifetime free
Visa · SBI Card
5,000 IndiGo BluChips & 6E Eats voucher
Annual fee
₹4,500
Visa · Uni (SBM Bank)
Lifetime free. 2X rewards on UPI — Best for upi · cashback · lifetime-free.
Annual fee
Lifetime free
ICICI Bank
Annual Fee
Lifetime Free
Reward Rate
MMT Black membership; rewards on MMT
Welcome Benefit
—
SBI Card
Annual Fee
₹4,500
Reward Rate
5 IndiGo BluChips per ₹100 on IndiGo transactions; 2 BluChips per ₹100 on dining, grocery, entertainment
Welcome Benefit
Welcome gift of 5,000 IndiGo BluChips + 6E Eats voucher
Uni (SBM Bank)
Annual Fee
Lifetime Free
Reward Rate
2X rewards on UPI
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 MakeMyTrip Credit CardVisa · ICICI Bank | IndiGo SBI Card ELITEVisa · SBI Card | Uni Pay Credit CardVisa · Uni (SBM Bank) |
|---|---|---|---|
Card image |  |  |  |
Provider | ICICI Bank | SBI Card | Uni (SBM Bank) |
Card | |||
Annual fee | Lifetime Free | ₹4,500 | Lifetime Free |
Joining fee | ₹0 | ₹4,500 | ₹0 |
Reward rate | MMT Black membership; rewards on MMT | 5 IndiGo BluChips per ₹100 on IndiGo transactions; 2 BluChips per ₹100 on dining, grocery, entertainmentBest | 2X rewards on UPI |
Welcome benefit | — | Welcome gift of 5,000 IndiGo BluChips + 6E Eats voucher | — |
Lifetime free | Yes | No | Yes |
Network | Visa | Visa | Visa |
Best for | travel, hotels | airlines, travel, premium | upi, cashback, lifetime-free |
Apply |
ICICI Bank
Lifetime free. MMT Black membership; rewards on MMT — Best for travel · hotels.
SBI Card
5,000 IndiGo BluChips & 6E Eats voucher
Uni (SBM Bank)
Lifetime free. 2X rewards on UPI — Best for upi · cashback · lifetime-free.
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