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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. 2X edge miles on ₹20K monthly — Best for miles · rewards.
Annual fee
Lifetime free
Mastercard · DBS Bank India
Lifetime free. 5X on online & 2X offline — Best for online-shopping · lifetime-free.
Annual fee
Lifetime free
Visa · Kotak Mahindra Bank
4X rewards on selected spends — Best for rewards · premium.
Annual fee
₹3,000
Axis Bank
Annual Fee
Lifetime Free
Reward Rate
2X edge miles on ₹20K monthly
Welcome Benefit
—
DBS Bank India
Annual Fee
Lifetime Free
Reward Rate
5X on online & 2X offline
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 Select Credit CardVisa · Axis Bank | DBS Live Fresh Credit CardMastercard · DBS Bank India | Kotak White Reserve Credit CardVisa · Kotak Mahindra Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | Axis Bank | DBS Bank India | Kotak Mahindra Bank |
Card | |||
Annual fee | Lifetime Free | Lifetime Free | ₹3,000 |
Joining fee | ₹0 | ₹0 | ₹3,000 |
Reward rate | 2X edge miles on ₹20K monthlyBest | 5X on online & 2X offline | 4X rewards on selected spends |
Welcome benefit | — | — | — |
Lifetime free | Yes | Yes | No |
Network | Visa | Mastercard | Visa |
Best for | miles, rewards | online-shopping, lifetime-free | rewards, premium |
Apply |
Axis Bank
Lifetime free. 2X edge miles on ₹20K monthly — Best for miles · rewards.
DBS Bank India
Lifetime free. 5X on online & 2X offline — Best for online-shopping · lifetime-free.
Kotak Mahindra Bank
4X rewards on selected spends — Best for rewards · premium.
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