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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · Axis Bank
15 EDGE Reward Points per Rs 200 (effective 6% back via 5:4 redemption) — Best for .
Annual fee
₹50,000
Visa · HDFC Bank
5 reward points per ₹150 — Best for online-shopping · lifestyle.
Annual fee
₹500
Visa · Kotak Mahindra Bank
4X rewards on selected spends — Best for rewards · premium.
Annual fee
₹3,000
Axis Bank
Annual Fee
₹50,000
Reward Rate
15 EDGE Reward Points per Rs 200 (effective 6% back via 5:4 redemption)
Welcome Benefit
—
HDFC Bank
Annual Fee
₹500
Reward Rate
5 reward points per ₹150
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 Bank Burgundy Private Credit Card (The One Card)Visa · Axis Bank | HDFC Bank Shopper's Stop Credit CardVisa · HDFC Bank | Kotak White Reserve Credit CardVisa · Kotak Mahindra Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | Axis Bank | HDFC Bank | Kotak Mahindra Bank |
Card | |||
Annual fee | ₹50,000 | ₹500Best | ₹3,000 |
Joining fee | ₹50,000 | ₹500Best | ₹3,000 |
Reward rate | 15 EDGE Reward Points per Rs 200 (effective 6% back via 5:4 redemption)Best | 5 reward points per ₹150 | 4X rewards on selected spends |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | Visa | Visa | Visa |
Best for | — | online-shopping, lifestyle | rewards, premium |
Apply |
Axis Bank
15 EDGE Reward Points per Rs 200 (effective 6% back via 5:4 redemption) — Best for .
HDFC Bank
5 reward points per ₹150 — Best for online-shopping · lifestyle.
Kotak Mahindra Bank
4X rewards on selected spends — Best for rewards · premium.
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