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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 · Uni (SBM Bank)
Lifetime free. 1.5X rewards on all spends — Best for rewards · lifetime-free.
Annual fee
Lifetime free
Visa · Yes Bank
12 reward points per ₹200 — Best for premium · rewards.
Annual fee
₹5,000
ICICI Bank
Annual Fee
₹6,500
Reward Rate
4 reward points per ₹100
Welcome Benefit
—
Uni (SBM Bank)
Annual Fee
Lifetime Free
Reward Rate
1.5X rewards on all spends
Welcome Benefit
—
Yes Bank
Annual Fee
₹5,000
Reward Rate
12 reward points per ₹200
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 | Uni Credit CardVisa · Uni (SBM Bank) | Yes Bank YES First Preferred Credit CardVisa · Yes Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | ICICI Bank | Uni (SBM Bank) | Yes Bank |
Card | |||
Annual fee | ₹6,500 | Lifetime FreeBest | ₹5,000 |
Joining fee | ₹6,500 | ₹0Best | ₹5,000 |
Reward rate | 4 reward points per ₹100 | 1.5X rewards on all spends | 12 reward points per ₹200Best |
Welcome benefit | — | — | — |
Lifetime free | No | YesBest | No |
Network | American Express | Visa | Visa |
Best for | premium, travel, rewards | rewards, lifetime-free | premium, rewards |
Apply |
ICICI Bank
4 reward points per ₹100 — Best for premium · travel · rewards.
Uni (SBM Bank)
Lifetime free. 1.5X rewards on all spends — Best for rewards · lifetime-free.
Yes Bank
12 reward points per ₹200 — Best for premium · rewards.
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