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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
Visa · IDFC FIRST Bank
Lifetime free. 3X rewards + wealth benefits — Best for lifetime-free · rewards · premium.
Annual fee
Lifetime free
Visa · Punjab National Bank
4 reward points per ₹100 — Best for rewards.
Annual fee
₹500
ICICI Bank
Annual Fee
₹6,500
Reward Rate
4 reward points per ₹100
Welcome Benefit
—
IDFC FIRST Bank
Annual Fee
Lifetime Free
Reward Rate
3X rewards + wealth benefits
Welcome Benefit
—
Punjab National Bank
Annual Fee
₹500
Reward Rate
4 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 Sapphiro Credit CardAmerican Express · ICICI Bank | IDFC FIRST Wealth Credit CardVisa · IDFC FIRST Bank | Punjab National Bank Rakshak Credit CardVisa · Punjab National Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | ICICI Bank | IDFC FIRST Bank | Punjab National Bank |
Card | |||
Annual fee | ₹6,500 | Lifetime FreeBest | ₹500 |
Joining fee | ₹6,500 | ₹0Best | ₹500 |
Reward rate | 4 reward points per ₹100 | 3X rewards + wealth benefits | 4 reward points per ₹100 |
Welcome benefit | — | — | — |
Lifetime free | No | YesBest | No |
Network | American Express | Visa | Visa |
Best for | premium, travel, rewards | lifetime-free, rewards, premium | rewards |
Apply |
ICICI Bank
4 reward points per ₹100 — Best for premium · travel · rewards.
IDFC FIRST Bank
Lifetime free. 3X rewards + wealth benefits — Best for lifetime-free · rewards · premium.
Punjab National Bank
4 reward points per ₹100 — Best for rewards.
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