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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
RuPay · Axis Bank
2X rewards on UPI spends — Best for rewards · upi.
Annual fee
₹500
Visa · HSBC India
3 reward points per ₹100 — Best for premium · rewards.
Annual fee
₹5,000
Visa · Kotak Mahindra Bank
4X rewards on selected spends — Best for rewards · premium.
Annual fee
₹3,000
Axis Bank
Annual Fee
₹500
Reward Rate
2X rewards on UPI spends
Welcome Benefit
—
HSBC India
Annual Fee
₹5,000
Reward Rate
3 reward points per ₹100
Welcome Benefit
—
Kotak Mahindra Bank
Annual Fee
₹3,000
Reward Rate
4X rewards on selected spends
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 Bank RuPay Credit CardRuPay · Axis Bank | HSBC Premier Credit CardVisa · HSBC India | Kotak White Reserve Credit CardVisa · Kotak Mahindra Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | Axis Bank | HSBC India | Kotak Mahindra Bank |
Card | |||
Annual fee | ₹500Best | ₹5,000 | ₹3,000 |
Joining fee | ₹500Best | ₹5,000 | ₹3,000 |
Reward rate | 2X rewards on UPI spends | 3 reward points per ₹100Best | 4X rewards on selected spends |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | RuPay | Visa | Visa |
Best for | rewards, upi | premium, rewards | rewards, premium |
Apply |
Axis Bank
2X rewards on UPI spends — Best for rewards · upi.
HSBC India
3 reward points per ₹100 — Best for premium · rewards.
Kotak Mahindra Bank
4X rewards on selected spends — Best for rewards · premium.
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