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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 · Kotak Mahindra Bank
4X rewards on selected spends — Best for rewards · premium.
Annual fee
₹3,000
Mastercard · Standard Chartered
5% cashback on fuel — Best for fuel.
Annual fee
₹750
ICICI Bank
Annual Fee
₹6,500
Reward Rate
4 reward points per ₹100
Welcome Benefit
—
Kotak Mahindra Bank
Annual Fee
₹3,000
Reward Rate
4X rewards on selected spends
Welcome Benefit
—
Standard Chartered
Annual Fee
₹750
Reward Rate
5% cashback on fuel
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 | Kotak White Reserve Credit CardVisa · Kotak Mahindra Bank | Standard Chartered Titanium Credit CardMastercard · Standard Chartered |
|---|---|---|---|
Card image |  |  |  |
Provider | ICICI Bank | Kotak Mahindra Bank | Standard Chartered |
Card | |||
Annual fee | ₹6,500 | ₹3,000 | ₹750Best |
Joining fee | ₹6,500 | ₹3,000 | ₹750Best |
Reward rate | 4 reward points per ₹100Best | 4X rewards on selected spends | 5% cashback on fuel |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | American Express | Visa | Mastercard |
Best for | premium, travel, rewards | rewards, premium | fuel |
Apply |
ICICI Bank
4 reward points per ₹100 — Best for premium · travel · rewards.
Kotak Mahindra Bank
4X rewards on selected spends — Best for rewards · premium.
Standard Chartered
5% cashback on fuel — Best for fuel.
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