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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
4X rewards on selected spends — Best for rewards · premium.
Annual fee
₹3,000
Visa · SBI Card
5,000 IndiGo BluChips & 6E Eats voucher
Annual fee
₹4,500
Axis Bank
Annual Fee
Lifetime Free
Reward Rate
2% on bill pays; 1% on others
Welcome Benefit
—
Kotak Mahindra Bank
Annual Fee
₹3,000
Reward Rate
4X rewards on selected spends
Welcome Benefit
—
SBI Card
Annual Fee
₹4,500
Reward Rate
5 IndiGo BluChips per ₹100 on IndiGo transactions; 2 BluChips per ₹100 on dining, grocery, entertainment
Welcome Benefit
Welcome gift of 5,000 IndiGo BluChips + 6E Eats voucher
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 White Reserve Credit CardVisa · Kotak Mahindra Bank | IndiGo SBI Card ELITEVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | Axis Bank | Kotak Mahindra Bank | SBI Card |
Card | |||
Annual fee | Lifetime FreeBest | ₹3,000 | ₹4,500 |
Joining fee | ₹0Best | ₹3,000 | ₹4,500 |
Reward rate | 2% on bill pays; 1% on others | 4X rewards on selected spends | 5 IndiGo BluChips per ₹100 on IndiGo transactions; 2 BluChips per ₹100 on dining, grocery, entertainmentBest |
Welcome benefit | — | — | Welcome gift of 5,000 IndiGo BluChips + 6E Eats voucher |
Lifetime free | YesBest | No | No |
Network | Mastercard | Visa | Visa |
Best for | lifetime-free, cashback, bill-payments | rewards, premium | airlines, travel, premium |
Apply |
Axis Bank
Lifetime free. 2% on bill pays; 1% on others — Best for lifetime-free · cashback · bill-payments.
Kotak Mahindra Bank
4X rewards on selected spends — Best for rewards · premium.
SBI Card
5,000 IndiGo BluChips & 6E Eats voucher
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