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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 · Kotak Mahindra Bank
Lifetime free. 2X rewards on UPI spends — Best for rewards · upi · lifetime-free.
Annual fee
Lifetime free
Mastercard · SBI Card
5% cashback on top online brands; 1% on others — Best for cashback · online-shopping.
Annual fee
₹999
Axis Bank
Annual Fee
₹1,500
Reward Rate
5X rewards on dining & lifestyle
Welcome Benefit
—
Kotak Mahindra Bank
Annual Fee
Lifetime Free
Reward Rate
2X rewards on UPI spends
Welcome Benefit
—
SBI Card
Annual Fee
₹999
Reward Rate
5% cashback on top online brands; 1% on others
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 | Kotak RuPay Credit CardVisa · Kotak Mahindra Bank | SBI Cashback Credit CardMastercard · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | Axis Bank | Kotak Mahindra Bank | SBI Card |
Card | |||
Annual fee | ₹1,500 | Lifetime FreeBest | ₹999 |
Joining fee | ₹1,500 | ₹0Best | ₹999 |
Reward rate | 5X rewards on dining & lifestyle | 2X rewards on UPI spends | 5% cashback on top online brands; 1% on othersBest |
Welcome benefit | — | — | — |
Lifetime free | No | YesBest | No |
Network | Visa | Visa | Mastercard |
Best for | dining, lifestyle | rewards, upi, lifetime-free | cashback, online-shopping |
Apply |
Axis Bank
5X rewards on dining & lifestyle — Best for dining · lifestyle.
Kotak Mahindra Bank
Lifetime free. 2X rewards on UPI spends — Best for rewards · upi · lifetime-free.
SBI Card
5% cashback on top online brands; 1% on others — Best for cashback · online-shopping.
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