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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 · Punjab National Bank
10X rewards on international travel — Best for travel.
Annual fee
₹2,000
Mastercard · RBL Bank
Lifetime free. 2X reward points on online — Best for online-shopping · lifetime-free.
Annual fee
Lifetime free
ICICI Bank
Annual Fee
₹6,500
Reward Rate
4 reward points per ₹100
Welcome Benefit
—
Punjab National Bank
Annual Fee
₹2,000
Reward Rate
10X rewards on international travel
Welcome Benefit
—
RBL Bank
Annual Fee
Lifetime Free
Reward Rate
2X reward points on online
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 | Punjab National Bank Global Credit CardVisa · Punjab National Bank | RBL Bank ShopRite Credit CardMastercard · RBL Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | ICICI Bank | Punjab National Bank | RBL Bank |
Card | |||
Annual fee | ₹6,500 | ₹2,000 | Lifetime FreeBest |
Joining fee | ₹6,500 | ₹2,000 | ₹0Best |
Reward rate | 4 reward points per ₹100Best | 10X rewards on international travel | 2X reward points on online |
Welcome benefit | — | — | — |
Lifetime free | No | No | YesBest |
Network | American Express | Visa | Mastercard |
Best for | premium, travel, rewards | travel | online-shopping, lifetime-free |
Apply |
ICICI Bank
4 reward points per ₹100 — Best for premium · travel · rewards.
Punjab National Bank
10X rewards on international travel — Best for travel.
RBL Bank
Lifetime free. 2X reward points on online — Best for online-shopping · lifetime-free.
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