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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 · Standard Chartered
5x on travel & dining; 1x others — Best for travel · dining · lounge-access.
Annual fee
₹5,000
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
—
Standard Chartered
Annual Fee
₹5,000
Reward Rate
5x on travel & dining; 1x others
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 | Standard Chartered Ultimate Credit CardVisa · Standard Chartered |
|---|---|---|---|
Card image |  |  |  |
Provider | Axis Bank | Kotak Mahindra Bank | Standard Chartered |
Card | |||
Annual fee | Lifetime Free | Lifetime Free | ₹5,000 |
Joining fee | ₹0 | ₹0 | ₹5,000 |
Reward rate | 2% on bill pays; 1% on others | 2X rewards on UPI spends | 5x on travel & dining; 1x othersBest |
Welcome benefit | — | — | — |
Lifetime free | Yes | Yes | No |
Network | Mastercard | Visa | Visa |
Best for | lifetime-free, cashback, bill-payments | rewards, upi, lifetime-free | travel, dining, lounge-access |
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.
Standard Chartered
5x on travel & dining; 1x others — Best for travel · dining · lounge-access.
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