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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
American Express · ICICI Bank
4 reward points per ₹100 — Best for premium · travel · rewards.
Annual fee
₹6,500
Mastercard · IDFC FIRST Bank
10X reward points on all spends — Best for rewards · premium.
Annual fee
₹5,000
Visa · Kotak Mahindra Bank
Lifetime free. 1 reward point per ₹100 — Best for fuel · lifetime-free.
Annual fee
Lifetime free
ICICI Bank
Annual Fee
₹6,500
Reward Rate
4 reward points per ₹100
Welcome Benefit
—
IDFC FIRST Bank
Annual Fee
₹5,000
Reward Rate
10X reward points on all spends
Welcome Benefit
—
Kotak Mahindra Bank
Annual Fee
Lifetime Free
Reward Rate
1 reward point 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 Sapphiro Credit CardAmerican Express · ICICI Bank | IDFC FIRST Ashva Credit CardMastercard · IDFC FIRST Bank | Kotak League Platinum Credit CardVisa · Kotak Mahindra Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | ICICI Bank | IDFC FIRST Bank | Kotak Mahindra Bank |
Card | |||
Annual fee | ₹6,500 | ₹5,000 | Lifetime FreeBest |
Joining fee | ₹6,500 | ₹5,000 | ₹0Best |
Reward rate | 4 reward points per ₹100Best | 10X reward points on all spends | 1 reward point per ₹100 |
Welcome benefit | — | — | — |
Lifetime free | No | No | YesBest |
Network | American Express | Mastercard | Visa |
Best for | premium, travel, rewards | rewards, premium | fuel, lifetime-free |
Apply |
ICICI Bank
4 reward points per ₹100 — Best for premium · travel · rewards.
IDFC FIRST Bank
10X reward points on all spends — Best for rewards · premium.
Kotak Mahindra Bank
Lifetime free. 1 reward point per ₹100 — Best for fuel · lifetime-free.
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