We use analytics cookies to understand how visitors interact with our site. By continuing you agree to our use of cookies as described in our Privacy Policy.
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
Visa · Kotak Mahindra Bank
4X rewards on selected spends — Best for rewards · premium.
Annual fee
₹3,000
Visa · Uni (SBM Bank)
Lifetime free. 2X rewards on UPI — Best for upi · cashback · lifetime-free.
Annual fee
Lifetime free
Axis Bank
Annual Fee
₹500
Reward Rate
2X EDGE rewards on dining & movies
Welcome Benefit
—
Kotak Mahindra Bank
Annual Fee
₹3,000
Reward Rate
4X rewards on selected spends
Welcome Benefit
—
Uni (SBM Bank)
Annual Fee
Lifetime Free
Reward Rate
2X rewards on UPI
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 | Kotak White Reserve Credit CardVisa · Kotak Mahindra Bank | Uni Pay Credit CardVisa · Uni (SBM Bank) |
|---|---|---|---|
Card image |  |  |  |
Provider | Axis Bank | Kotak Mahindra Bank | Uni (SBM Bank) |
Card | |||
Annual fee | ₹500 | ₹3,000 | Lifetime FreeBest |
Joining fee | ₹500 | ₹3,000 | ₹0Best |
Reward rate | 2X EDGE rewards on dining & movies | 4X rewards on selected spendsBest | 2X rewards on UPI |
Welcome benefit | — | — | — |
Lifetime free | No | No | YesBest |
Network | Mastercard | Visa | Visa |
Best for | dining, entertainment | rewards, premium | upi, cashback, lifetime-free |
Apply |
Axis Bank
2X EDGE rewards on dining & movies — Best for dining · entertainment.
Kotak Mahindra Bank
4X rewards on selected spends — Best for rewards · premium.
Uni (SBM Bank)
Lifetime free. 2X rewards on UPI — Best for upi · cashback · lifetime-free.
Related Guides
In-depth guides on rewards, lounge access, forex and more.
Related Comparisons
Compare any two cards side-by-side across 140+ issuers.
