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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. 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
Mastercard · SBI Card
6 Travel Credits for every ₹200 spent on travel; 2 Travel Credits for every ₹… — Best for .
Annual fee
₹4,999
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
—
SBI Card
Annual Fee
₹4,999
Reward Rate
6 Travel Credits for every ₹200 spent on travel; 2 Travel Credits for every ₹200 on all other spends; Travel Credits convertible to Air Miles / Hotel Points (1 TC = Re. 1) or used for Travel Bookings (1 TC = ₹0.50)
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 | SBI Card MILES ELITEMastercard · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | ICICI Bank | IDFC FIRST Bank | SBI Card |
Card | |||
Annual fee | Lifetime FreeBest | ₹5,000 | ₹4,999 |
Joining fee | ₹0Best | ₹5,000 | ₹4,999 |
Reward rate | 1 payback point per ₹100 | 10X reward points on all spends | 6 Travel Credits for every ₹200 spent on travel; 2 Travel Credits for every ₹200 on all other spends; Travel Credits convertible to Air Miles / Hotel Points (1 TC = Re. 1) or used for Travel Bookings (1 TC = ₹0.50)Best |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | Visa | Mastercard | Mastercard |
Best for | lifetime-free, beginners | rewards, premium | — |
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.
SBI Card
6 Travel Credits for every ₹200 spent on travel; 2 Travel Credits for every ₹… — Best for .
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