3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · Canara Bank
Lifetime free. 2 Reward Points for every ₹100 spent on PoS and e-commerce transactions — Best for .
Annual fee
Lifetime free
Mastercard · IDFC FIRST Bank
10X reward points on all spends — Best for rewards · premium.
Annual fee
₹5,000
Visa · Kotak Mahindra Bank
Lifetime free. 2X rewards on UPI spends — Best for rewards · upi · lifetime-free.
Annual fee
Lifetime free
Canara Bank
Annual Fee
Lifetime Free
Reward Rate
2 Reward Points for every ₹100 spent on PoS and e-commerce transactions
Welcome Benefit
—
IDFC FIRST Bank
Annual Fee
₹5,000
Reward Rate
10X reward points on all spends
Welcome Benefit
—
Kotak Mahindra Bank
Annual Fee
Lifetime Free
Reward Rate
2X rewards on UPI 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 | Canara Bank Visa Signature Credit CardVisa · Canara Bank | IDFC FIRST Ashva Credit CardMastercard · IDFC FIRST Bank | Kotak RuPay Credit CardVisa · Kotak Mahindra Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | Canara Bank | IDFC FIRST Bank | Kotak Mahindra Bank |
Card | |||
Annual fee | Lifetime Free | ₹5,000 | Lifetime Free |
Joining fee | ₹0 | ₹5,000 | ₹0 |
Reward rate | 2 Reward Points for every ₹100 spent on PoS and e-commerce transactionsBest | 10X reward points on all spends | 2X rewards on UPI spends |
Welcome benefit | — | — | — |
Lifetime free | Yes | No | Yes |
Network | Visa | Mastercard | Visa |
Best for | — | rewards, premium | rewards, upi, lifetime-free |
Apply | Apply for Kotak Mahindra BankPartner disclosure: FinWiz24 may earn a commission if you apply.Partner |
Canara Bank
Lifetime free. 2 Reward Points for every ₹100 spent on PoS and e-commerce transactions — Best for .
IDFC FIRST Bank
10X reward points on all spends — Best for rewards · premium.
Kotak Mahindra Bank
Lifetime free. 2X rewards on UPI spends — Best for rewards · upi · lifetime-free.
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