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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · ICICI Bank
2 reward points per ₹100 — Best for rewards.
Annual fee
₹3,000
Mastercard · SBI Card
6 Travel Credits for every ₹200 spent on travel; 2 Travel Credits for every ₹… — Best for .
Annual fee
₹4,999
Visa · SBI Card
10 Reward Points per ₹150 on dining, movies, departmental stores and grocery;… — Best for .
Annual fee
₹499
ICICI Bank
Annual Fee
₹3,000
Reward Rate
2 reward points per ₹100
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
—
SBI Card
Annual Fee
₹499
Reward Rate
10 Reward Points per ₹150 on dining, movies, departmental stores and grocery; 1 Reward Point per ₹150 on all other spends; 4 Reward Points = Re. 1
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 Rubyx Credit CardVisa · ICICI Bank | SBI Card MILES ELITEMastercard · SBI Card | SimplySAVE SBI CardVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | ICICI Bank | SBI Card | SBI Card |
Card | |||
Annual fee | ₹3,000 | ₹4,999 | ₹499Best |
Joining fee | ₹3,000 | ₹4,999 | ₹499Best |
Reward rate | 2 reward points per ₹100 | 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) | 10 Reward Points per ₹150 on dining, movies, departmental stores and grocery; 1 Reward Point per ₹150 on all other spends; 4 Reward Points = Re. 1Best |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | Visa | Mastercard | Visa |
Best for | rewards | — | — |
Apply |
ICICI Bank
2 reward points per ₹100 — Best for rewards.
SBI Card
6 Travel Credits for every ₹200 spent on travel; 2 Travel Credits for every ₹… — Best for .
SBI Card
10 Reward Points per ₹150 on dining, movies, departmental stores and grocery;… — Best for .
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