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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · Axis Bank
Lifetime free. 5% cashback on Google Pay — Best for bill-payments · cashback.
Annual fee
Lifetime free
Mastercard · ICICI Bank
4 reward points per ₹100 — Best for premium · travel · rewards.
Annual fee
₹12,000
Visa · Kotak Mahindra Bank
Lifetime free. 1 reward point per ₹100 — Best for fuel · lifetime-free.
Annual fee
Lifetime free
Axis Bank
Annual Fee
Lifetime Free
Reward Rate
5% cashback on Google Pay
Welcome Benefit
—
ICICI Bank
Annual Fee
₹12,000
Reward Rate
4 reward points per ₹100
Welcome Benefit
—
Kotak Mahindra Bank
Annual Fee
Lifetime Free
Reward Rate
1 reward point per ₹100
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 Neo Credit CardVisa · Axis Bank | ICICI Emeralde Credit CardMastercard · ICICI Bank | Kotak League Platinum Credit CardVisa · Kotak Mahindra Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | Axis Bank | ICICI Bank | Kotak Mahindra Bank |
Card | |||
Annual fee | Lifetime Free | ₹12,000 | Lifetime Free |
Joining fee | ₹0 | ₹12,000 | ₹0 |
Reward rate | 5% cashback on Google Pay | 4 reward points per ₹100Best | 1 reward point per ₹100 |
Welcome benefit | — | — | — |
Lifetime free | Yes | No | Yes |
Network | Visa | Mastercard | Visa |
Best for | bill-payments, cashback | premium, travel, rewards | fuel, lifetime-free |
Apply |
Axis Bank
Lifetime free. 5% cashback on Google Pay — Best for bill-payments · cashback.
ICICI Bank
4 reward points per ₹100 — Best for premium · travel · rewards.
Kotak Mahindra Bank
Lifetime free. 1 reward point per ₹100 — Best for fuel · lifetime-free.
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