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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
Visa · ICICI Bank
2 reward points per ₹100 — Best for rewards.
Annual fee
₹3,000
Visa · Kotak Mahindra Bank
5 reward points per ₹100 — Best for premium · rewards.
Annual fee
₹10,000
Axis Bank
Annual Fee
Lifetime Free
Reward Rate
2X edge miles on ₹20K monthly
Welcome Benefit
—
ICICI Bank
Annual Fee
₹3,000
Reward Rate
2 reward points per ₹100
Welcome Benefit
—
Kotak Mahindra Bank
Annual Fee
₹10,000
Reward Rate
5 reward points 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 Select Credit CardVisa · Axis Bank | ICICI Bank Rubyx Credit CardVisa · ICICI Bank | Kotak Zenith Credit CardVisa · Kotak Mahindra Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | Axis Bank | ICICI Bank | Kotak Mahindra Bank |
Card | |||
Annual fee | Lifetime FreeBest | ₹3,000 | ₹10,000 |
Joining fee | ₹0Best | ₹3,000 | ₹10,000 |
Reward rate | 2X edge miles on ₹20K monthly | 2 reward points per ₹100 | 5 reward points per ₹100Best |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | Visa | Visa | Visa |
Best for | miles, rewards | rewards | premium, rewards |
Apply |
Axis Bank
Lifetime free. 2X edge miles on ₹20K monthly — Best for miles · rewards.
ICICI Bank
2 reward points per ₹100 — Best for rewards.
Kotak Mahindra Bank
5 reward points per ₹100 — Best for premium · rewards.
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