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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
5 reward points per ₹100 — Best for premium · rewards.
Annual fee
₹10,000
Visa · Uni (SBM Bank)
Lifetime free. 1.5X rewards on all spends — Best for rewards · lifetime-free.
Annual fee
Lifetime free
ICICI Bank
Annual Fee
₹6,500
Reward Rate
4 reward points per ₹100
Welcome Benefit
—
Kotak Mahindra Bank
Annual Fee
₹10,000
Reward Rate
5 reward points per ₹100
Welcome Benefit
—
Uni (SBM Bank)
Annual Fee
Lifetime Free
Reward Rate
1.5X rewards on all spends
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 Zenith Credit CardVisa · Kotak Mahindra Bank | Uni Credit CardVisa · Uni (SBM Bank) |
|---|---|---|---|
Card image |  |  |  |
Provider | ICICI Bank | Kotak Mahindra Bank | Uni (SBM Bank) |
Card | |||
Annual fee | ₹6,500 | ₹10,000 | Lifetime FreeBest |
Joining fee | ₹6,500 | ₹10,000 | ₹0Best |
Reward rate | 4 reward points per ₹100 | 5 reward points per ₹100Best | 1.5X rewards on all spends |
Welcome benefit | — | — | — |
Lifetime free | No | No | YesBest |
Network | American Express | Visa | Visa |
Best for | premium, travel, rewards | premium, rewards | rewards, lifetime-free |
Apply |
ICICI Bank
4 reward points per ₹100 — Best for premium · travel · rewards.
Kotak Mahindra Bank
5 reward points per ₹100 — Best for premium · rewards.
Uni (SBM Bank)
Lifetime free. 1.5X rewards on all spends — Best for rewards · lifetime-free.
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