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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
American Express · American Express
Lifetime free. 1000 bonus points on ₹20K monthly — Best for rewards · lifetime-free.
Annual fee
Lifetime free
RuPay · Federal Bank
Lifetime free. 2X rewards on UPI — Best for rewards · upi · lifetime-free.
Annual fee
Lifetime free
Mastercard · Kotak Mahindra Bank
Lifetime free. 2X rewards on online spends — Best for online-shopping · lifetime-free.
Annual fee
Lifetime free
American Express
Annual Fee
Lifetime Free
Reward Rate
1000 bonus points on ₹20K monthly
Welcome Benefit
—
Federal Bank
Annual Fee
Lifetime Free
Reward Rate
2X rewards on UPI
Welcome Benefit
—
Kotak Mahindra Bank
Annual Fee
Lifetime Free
Reward Rate
2X rewards on online 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 | Amex Gold Credit CardAmerican Express · American Express | Federal Bank RuPay Credit CardRuPay · Federal Bank | Kotak MOJO Credit CardMastercard · Kotak Mahindra Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | American Express | Federal Bank | Kotak Mahindra Bank |
Card | |||
Annual fee | Lifetime Free | Lifetime Free | Lifetime Free |
Joining fee | ₹0 | ₹0 | ₹0 |
Reward rate | 1000 bonus points on ₹20K monthlyBest | 2X rewards on UPI | 2X rewards on online spends |
Welcome benefit | — | — | — |
Lifetime free | Yes | Yes | Yes |
Network | American Express | RuPay | Mastercard |
Best for | rewards, lifetime-free | rewards, upi, lifetime-free | online-shopping, lifetime-free |
Apply |
American Express
Lifetime free. 1000 bonus points on ₹20K monthly — Best for rewards · lifetime-free.
Federal Bank
Lifetime free. 2X rewards on UPI — Best for rewards · upi · lifetime-free.
Kotak Mahindra Bank
Lifetime free. 2X rewards on online spends — Best for online-shopping · lifetime-free.
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