We use analytics cookies to understand how visitors interact with our site. By continuing you agree to our use of cookies as described in our Privacy Policy.
3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Mastercard · Axis Bank
Lifetime free. 2% on bill pays; 1% on others — Best for lifetime-free · cashback · bill-payments.
Annual fee
Lifetime free
Visa · Bank of Baroda
5X rewards on travel & dining — Best for travel · dining.
Annual fee
₹750
Visa · Kotak Mahindra Bank
4X rewards on selected spends — Best for rewards · premium.
Annual fee
₹3,000
Axis Bank
Annual Fee
Lifetime Free
Reward Rate
2% on bill pays; 1% on others
Welcome Benefit
—
Bank of Baroda
Annual Fee
₹750
Reward Rate
5X rewards on travel & dining
Welcome Benefit
—
Kotak Mahindra Bank
Annual Fee
₹3,000
Reward Rate
4X rewards on selected 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 | Axis Ace Credit CardMastercard · Axis Bank | Bank of Baroda Select Credit CardVisa · Bank of Baroda | Kotak White Reserve Credit CardVisa · Kotak Mahindra Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | Axis Bank | Bank of Baroda | Kotak Mahindra Bank |
Card | |||
Annual fee | Lifetime FreeBest | ₹750 | ₹3,000 |
Joining fee | ₹0Best | ₹750 | ₹3,000 |
Reward rate | 2% on bill pays; 1% on othersBest | 5X rewards on travel & dining | 4X rewards on selected spends |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | Mastercard | Visa | Visa |
Best for | lifetime-free, cashback, bill-payments | travel, dining | rewards, premium |
Apply |
Axis Bank
Lifetime free. 2% on bill pays; 1% on others — Best for lifetime-free · cashback · bill-payments.
Bank of Baroda
5X rewards on travel & dining — Best for travel · dining.
Kotak Mahindra Bank
4X rewards on selected spends — Best for rewards · premium.
Related Guides
In-depth guides on rewards, lounge access, forex and more.
Related Comparisons
Compare any two cards side-by-side across 140+ issuers.
