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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
American Express · American Express
1000 bonus points on ₹20K monthly; 1X base — Best for rewards · premium.
Annual fee
₹1,500
Mastercard · HDFC Bank
4 reward points per ₹150 — Best for travel · lounge-access · premium.
Annual fee
₹2,500
Visa · Kotak Mahindra Bank
Lifetime free. 1 reward point per ₹100 — Best for lifetime-free · beginners.
Annual fee
Lifetime free
American Express
Annual Fee
₹1,500
Reward Rate
1000 bonus points on ₹20K monthly; 1X base
Welcome Benefit
—
HDFC Bank
Annual Fee
₹2,500
Reward Rate
4 reward points per ₹150
Welcome Benefit
—
Kotak Mahindra Bank
Annual Fee
Lifetime Free
Reward Rate
1 reward point per ₹100
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 Membership Rewards Credit CardAmerican Express · American Express | HDFC Bank Regalia Gold Credit CardMastercard · HDFC Bank | Kotak 811 Dream Different Credit CardVisa · Kotak Mahindra Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | American Express | HDFC Bank | Kotak Mahindra Bank |
Card | |||
Annual fee | ₹1,500 | ₹2,500 | Lifetime FreeBest |
Joining fee | ₹0 | ₹2,500 | ₹0 |
Reward rate | 1000 bonus points on ₹20K monthly; 1X baseBest | 4 reward points per ₹150 | 1 reward point per ₹100 |
Welcome benefit | — | — | — |
Lifetime free | No | No | YesBest |
Network | American Express | Mastercard | Visa |
Best for | rewards, premium | travel, lounge-access, premium | lifetime-free, beginners |
Apply |
American Express
1000 bonus points on ₹20K monthly; 1X base — Best for rewards · premium.
HDFC Bank
4 reward points per ₹150 — Best for travel · lounge-access · premium.
Kotak Mahindra Bank
Lifetime free. 1 reward point per ₹100 — Best for lifetime-free · beginners.
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