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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · Axis Bank
5% on Flipkart/Myntra; 1.5% on others — Best for flipkart · online-shopping.
Annual fee
₹500
Visa · Bank of Baroda
2 reward points per ₹100 — Best for rewards.
Annual fee
₹500
Visa · Kotak Mahindra Bank
Lifetime free. 2X rewards on UPI spends — Best for rewards · upi · lifetime-free.
Annual fee
Lifetime free
Axis Bank
Annual Fee
₹500
Reward Rate
5% on Flipkart/Myntra; 1.5% on others
Welcome Benefit
—
Bank of Baroda
Annual Fee
₹500
Reward Rate
2 reward points per ₹100
Welcome Benefit
—
Kotak Mahindra Bank
Annual Fee
Lifetime Free
Reward Rate
2X rewards on UPI 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 Flipkart Credit CardVisa · Axis Bank | Bank of Baroda Easy Credit CardVisa · Bank of Baroda | Kotak RuPay Credit CardVisa · Kotak Mahindra Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | Axis Bank | Bank of Baroda | Kotak Mahindra Bank |
Card | |||
Annual fee | ₹500 | ₹500 | Lifetime FreeBest |
Joining fee | ₹500 | ₹500 | ₹0Best |
Reward rate | 5% on Flipkart/Myntra; 1.5% on others | 2 reward points per ₹100Best | 2X rewards on UPI spends |
Welcome benefit | — | — | — |
Lifetime free | No | No | YesBest |
Network | Visa | Visa | Visa |
Best for | flipkart, online-shopping | rewards | rewards, upi, lifetime-free |
Apply |
Axis Bank
5% on Flipkart/Myntra; 1.5% on others — Best for flipkart · online-shopping.
Bank of Baroda
2 reward points per ₹100 — Best for rewards.
Kotak Mahindra Bank
Lifetime free. 2X rewards on UPI spends — Best for rewards · upi · lifetime-free.
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