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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 · Kotak Mahindra Bank
Lifetime free. 2X rewards on UPI spends — Best for rewards · upi · lifetime-free.
Annual fee
Lifetime free
Visa · SBI Card
1-year FITPASS PRO + Apollo 24|7 e-Gift Voucher
Annual fee
₹1,499
Axis Bank
Annual Fee
Lifetime Free
Reward Rate
2X edge miles on ₹20K monthly
Welcome Benefit
—
Kotak Mahindra Bank
Annual Fee
Lifetime Free
Reward Rate
2X rewards on UPI spends
Welcome Benefit
—
SBI Card
Annual Fee
₹1,499
Reward Rate
5 reward points per ₹100 on Apollo 24|7, pharmacy, and hospital spends; 1 reward point per ₹100 elsewhere
Welcome Benefit
1-year FITPASS PRO membership + Apollo 24|7 e-Gift Voucher on joining
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 | Kotak RuPay Credit CardVisa · Kotak Mahindra Bank | Apollo SBI Card SELECTVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | Axis Bank | Kotak Mahindra Bank | SBI Card |
Card | |||
Annual fee | Lifetime Free | Lifetime Free | ₹1,499 |
Joining fee | ₹0 | ₹0 | ₹1,499 |
Reward rate | 2X edge miles on ₹20K monthly | 2X rewards on UPI spends | 5 reward points per ₹100 on Apollo 24|7, pharmacy, and hospital spends; 1 reward point per ₹100 elsewhereBest |
Welcome benefit | — | — | 1-year FITPASS PRO membership + Apollo 24|7 e-Gift Voucher on joining |
Lifetime free | Yes | Yes | No |
Network | Visa | Visa | Visa |
Best for | miles, rewards | rewards, upi, lifetime-free | healthcare, lifestyle |
Apply |
Axis Bank
Lifetime free. 2X edge miles on ₹20K monthly — Best for miles · rewards.
Kotak Mahindra Bank
Lifetime free. 2X rewards on UPI spends — Best for rewards · upi · lifetime-free.
SBI Card
1-year FITPASS PRO + Apollo 24|7 e-Gift Voucher
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