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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 · RBL Bank
5X reward points on all spends — Best for premium · rewards.
Annual fee
₹10,000
Visa · SBI Card
2 reward points per ₹100 — Best for rewards.
Annual fee
₹500
ICICI Bank
Annual Fee
Lifetime Free
Reward Rate
1 payback point per ₹100
Welcome Benefit
—
RBL Bank
Annual Fee
₹10,000
Reward Rate
5X reward points on all spends
Welcome Benefit
—
SBI Card
Annual Fee
₹500
Reward Rate
2 reward points per ₹100
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 | RBL Bank Infinite Credit CardMastercard · RBL Bank | SBI ApL Platinum Credit CardVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | ICICI Bank | RBL Bank | SBI Card |
Card | |||
Annual fee | Lifetime FreeBest | ₹10,000 | ₹500 |
Joining fee | ₹0Best | ₹10,000 | ₹500 |
Reward rate | 1 payback point per ₹100 | 5X reward points on all spends | 2 reward points per ₹100Best |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | Visa | Mastercard | Visa |
Best for | lifetime-free, beginners | premium, rewards | rewards |
Apply |
ICICI Bank
Lifetime free. 1 payback point per ₹100 — Best for lifetime-free · beginners.
RBL Bank
5X reward points on all spends — Best for premium · rewards.
SBI Card
2 reward points per ₹100 — Best for rewards.
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