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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Mastercard · Axis Bank
15X reward points on all spends — Best for premium · super-premium.
Annual fee
₹50,000
RuPay · HDFC Bank
2X reward points on UPI spends — Best for rewards · upi.
Annual fee
₹500
Visa · Kotak Mahindra Bank
Lifetime free. 1 reward point per ₹100 — Best for lifetime-free · beginners.
Annual fee
Lifetime free
Axis Bank
Annual Fee
₹50,000
Reward Rate
15X reward points on all spends
Welcome Benefit
—
HDFC Bank
Annual Fee
₹500
Reward Rate
2X reward points on UPI spends
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 Reserve Credit CardMastercard · Axis Bank | HDFC Bank RuPay Credit CardRuPay · HDFC Bank | Kotak 811 Dream Different Credit CardVisa · Kotak Mahindra Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | Axis Bank | HDFC Bank | Kotak Mahindra Bank |
Card | |||
Annual fee | ₹50,000 | ₹500 | Lifetime FreeBest |
Joining fee | ₹50,000 | ₹500 | ₹0Best |
Reward rate | 15X reward points on all spends | 2X reward points on UPI spends | 1 reward point per ₹100Best |
Welcome benefit | — | — | — |
Lifetime free | No | No | YesBest |
Network | Mastercard | RuPay | Visa |
Best for | premium, super-premium | rewards, upi | lifetime-free, beginners |
Apply |
Axis Bank
15X reward points on all spends — Best for premium · super-premium.
HDFC Bank
2X reward points on UPI spends — Best for rewards · upi.
Kotak Mahindra Bank
Lifetime free. 1 reward point per ₹100 — Best for lifetime-free · beginners.
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