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.
Visa · ICICI Bank
Lifetime free. 1 payback point per ₹100 — Best for lifetime-free · beginners.
Annual fee
Lifetime free
Mastercard · IDFC FIRST Bank
10X reward points on all spends — Best for rewards · premium.
Annual fee
₹5,000
Visa · Niyo (DCB Bank)
Lifetime free. 2X rewards on forex spends — Best for travel · lifetime-free.
Annual fee
Lifetime free
ICICI Bank
Annual Fee
Lifetime Free
Reward Rate
1 payback point per ₹100
Welcome Benefit
—
IDFC FIRST Bank
Annual Fee
₹5,000
Reward Rate
10X reward points on all spends
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 Platinum Credit CardVisa · ICICI Bank | IDFC FIRST Ashva Credit CardMastercard · IDFC FIRST Bank | Niyo Global Credit CardVisa · Niyo (DCB Bank) |
|---|---|---|---|
Card image |  |  |  |
Provider | ICICI Bank | IDFC FIRST Bank | Niyo (DCB Bank) |
Card | |||
Annual fee | Lifetime Free | ₹5,000 | Lifetime Free |
Joining fee | ₹0 | ₹5,000 | ₹0 |
Reward rate | 1 payback point per ₹100Best | 10X reward points on all spends | 2X rewards on forex spends |
Welcome benefit | — | — | — |
Lifetime free | Yes | No | Yes |
Network | Visa | Mastercard | Visa |
Best for | lifetime-free, beginners | rewards, premium | travel, lifetime-free |
Apply |
ICICI Bank
Lifetime free. 1 payback point per ₹100 — Best for lifetime-free · beginners.
IDFC FIRST Bank
10X reward points on all spends — Best for rewards · premium.
Niyo (DCB Bank)
Lifetime free. 2X rewards on forex spends — Best for travel · 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.
