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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 · SBI Card
7.5% cashback on Myntra, 5% cashback on Flipkart
Annual fee
₹500
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
—
SBI Card
Annual Fee
₹500
Reward Rate
7.5% cashback on Myntra; 5% cashback on Flipkart; 1% cashback on all other spends
Welcome Benefit
Welcome cashback worth ₹500 on first transaction
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 | Flipkart SBI CardVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | ICICI Bank | IDFC FIRST Bank | SBI Card |
Card | |||
Annual fee | ₹6,500 | ₹5,000 | ₹500Best |
Joining fee | ₹6,500 | ₹5,000 | ₹500Best |
Reward rate | 4 reward points per ₹100Best | 10X reward points on all spends | 7.5% cashback on Myntra; 5% cashback on Flipkart; 1% cashback on all other spends |
Welcome benefit | — | — | Welcome cashback worth ₹500 on first transaction |
Lifetime free | No | No | No |
Network | American Express | Mastercard | Visa |
Best for | premium, travel, rewards | rewards, premium | flipkart, online-shopping, cashback |
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.
SBI Card
7.5% cashback on Myntra, 5% cashback on Flipkart
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