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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · Axis Bank
5X rewards on dining & lifestyle — Best for dining · lifestyle.
Annual fee
₹1,500
Visa · HDFC Bank
5X rewards on Amazon/Flipkart/Myntra; 1X on others — Best for online-shopping · cashback.
Annual fee
₹1,000
Visa · Kotak Mahindra Bank
Lifetime free. 1 reward point per ₹100 — Best for lifetime-free · beginners.
Annual fee
Lifetime free
Axis Bank
Annual Fee
₹1,500
Reward Rate
5X rewards on dining & lifestyle
Welcome Benefit
—
HDFC Bank
Annual Fee
₹1,000
Reward Rate
5X rewards on Amazon/Flipkart/Myntra; 1X on others
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 Pride Credit CardVisa · Axis Bank | HDFC Bank Millennia Credit CardVisa · HDFC Bank | Kotak 811 Dream Different Credit CardVisa · Kotak Mahindra Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | Axis Bank | HDFC Bank | Kotak Mahindra Bank |
Card | |||
Annual fee | ₹1,500 | ₹1,000 | Lifetime FreeBest |
Joining fee | ₹1,500 | ₹1,000 | ₹0Best |
Reward rate | 5X rewards on dining & lifestyle | 5X rewards on Amazon/Flipkart/Myntra; 1X on others | 1 reward point per ₹100Best |
Welcome benefit | — | — | — |
Lifetime free | No | No | YesBest |
Network | Visa | Visa | Visa |
Best for | dining, lifestyle | online-shopping, cashback | lifetime-free, beginners |
Apply |
Axis Bank
5X rewards on dining & lifestyle — Best for dining · lifestyle.
HDFC Bank
5X rewards on Amazon/Flipkart/Myntra; 1X on others — Best for online-shopping · cashback.
Kotak Mahindra Bank
Lifetime free. 1 reward point per ₹100 — Best for lifetime-free · beginners.
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