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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 · Kotak Mahindra Bank
Lifetime free. 2X rewards on UPI spends — Best for rewards · upi · lifetime-free.
Annual fee
Lifetime free
Visa · SBI Card
Lifetime free. 5% NeuCoins on Tata — Best for online-shopping · lifetime-free.
Annual fee
Lifetime free
Axis Bank
Annual Fee
Lifetime Free
Reward Rate
2% on bill pays; 1% on others
Welcome Benefit
—
Kotak Mahindra Bank
Annual Fee
Lifetime Free
Reward Rate
2X rewards on UPI spends
Welcome Benefit
—
SBI Card
Annual Fee
Lifetime Free
Reward Rate
5% NeuCoins on Tata
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 | Kotak RuPay Credit CardVisa · Kotak Mahindra Bank | SBI Card Tata NeuVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | Axis Bank | Kotak Mahindra Bank | SBI Card |
Card | |||
Annual fee | Lifetime Free | Lifetime Free | Lifetime Free |
Joining fee | ₹0 | ₹0 | ₹1,499 |
Reward rate | 2% on bill pays; 1% on othersBest | 2X rewards on UPI spends | 5% NeuCoins on Tata |
Welcome benefit | — | — | — |
Lifetime free | Yes | Yes | Yes |
Network | Mastercard | Visa | Visa |
Best for | lifetime-free, cashback, bill-payments | rewards, upi, lifetime-free | online-shopping, lifetime-free |
Apply |
Axis Bank
Lifetime free. 2% on bill pays; 1% on others — Best for lifetime-free · cashback · bill-payments.
Kotak Mahindra Bank
Lifetime free. 2X rewards on UPI spends — Best for rewards · upi · lifetime-free.
SBI Card
Lifetime free. 5% NeuCoins on Tata — Best for online-shopping · lifetime-free.
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