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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Mastercard · DBS Bank India
Lifetime free. 5X on online & 2X offline — Best for online-shopping · lifetime-free.
Annual fee
Lifetime free
Visa · IndusInd Bank
Lifetime free. 1 reward point per ₹100 — Best for lifetime-free · rewards.
Annual fee
Lifetime free
Visa · Kotak Mahindra Bank
5 reward points per ₹100 — Best for premium · rewards.
Annual fee
₹10,000
DBS Bank India
Annual Fee
Lifetime Free
Reward Rate
5X on online & 2X offline
Welcome Benefit
—
IndusInd Bank
Annual Fee
Lifetime Free
Reward Rate
1 reward point 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 | DBS Live Fresh Credit CardMastercard · DBS Bank India | IndusInd Bank iconNIQ Credit CardVisa · IndusInd Bank | Kotak Zenith Credit CardVisa · Kotak Mahindra Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | DBS Bank India | IndusInd Bank | Kotak Mahindra Bank |
Card | |||
Annual fee | Lifetime Free | Lifetime Free | ₹10,000 |
Joining fee | ₹0 | ₹0 | ₹10,000 |
Reward rate | 5X on online & 2X offline | 1 reward point per ₹100 | 5 reward points per ₹100Best |
Welcome benefit | — | — | — |
Lifetime free | Yes | Yes | No |
Network | Mastercard | Visa | Visa |
Best for | online-shopping, lifetime-free | lifetime-free, rewards | premium, rewards |
Apply |
DBS Bank India
Lifetime free. 5X on online & 2X offline — Best for online-shopping · lifetime-free.
IndusInd Bank
Lifetime free. 1 reward point per ₹100 — Best for lifetime-free · rewards.
Kotak Mahindra Bank
5 reward points per ₹100 — Best for premium · rewards.
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