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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Mastercard · Axis Bank
2X EDGE rewards on dining & movies — Best for dining · entertainment.
Annual fee
₹500
Mastercard · ICICI Bank
4 reward points per ₹100 — Best for premium · travel · rewards.
Annual fee
₹12,000
Visa · Kotak Mahindra Bank
4X rewards on selected spends — Best for rewards · premium.
Annual fee
₹3,000
Axis Bank
Annual Fee
₹500
Reward Rate
2X EDGE rewards on dining & movies
Welcome Benefit
—
ICICI Bank
Annual Fee
₹12,000
Reward Rate
4 reward points per ₹100
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 MyZone Credit CardMastercard · Axis Bank | ICICI Emeralde Credit CardMastercard · ICICI Bank | Kotak White Reserve Credit CardVisa · Kotak Mahindra Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | Axis Bank | ICICI Bank | Kotak Mahindra Bank |
Card | |||
Annual fee | ₹500Best | ₹12,000 | ₹3,000 |
Joining fee | ₹500Best | ₹12,000 | ₹3,000 |
Reward rate | 2X EDGE rewards on dining & movies | 4 reward points per ₹100Best | 4X rewards on selected spends |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | Mastercard | Mastercard | Visa |
Best for | dining, entertainment | premium, travel, rewards | rewards, premium |
Apply |
Axis Bank
2X EDGE rewards on dining & movies — Best for dining · entertainment.
ICICI Bank
4 reward points per ₹100 — Best for premium · travel · rewards.
Kotak Mahindra Bank
4X rewards on selected spends — Best for rewards · premium.
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